Medicare is usually good about making sure that they cover services they said they would, but there are some reasons why they may choose not to. If that happens you may have to pay back Medicare, which can in some instances become costly. The reason for this is that the system can’t continually update fast enough, which means if your economic situation has changed it may not be reflected in your coverage yet. There are other reasons as well that could lead to you having to repay the system.
To keep your coverage as up to date as possible make sure that you notify your local office of any changes immediately. That should allow you to budget enough time to make sure that the changes are reflected in your policy and you aren’t blind sided by any charges. It may also be in your best interest to consider getting some sort of supplemental insurance to cover what Medicare won’t. Remember that health care is very expensive and if you are left with the bill it can be financially devastating.
Another point to be made is that different people benefit differently by using Medicare in different ways. If your coverage is minimal from Medicare then you may want to use a private insurance police as your primary plan. That way you can avoid having to pay back Medicare any large sums. If you have to use it as a primary policy then you should consider having private supplemental insurance as well to cover what ever pay back that the system requests, for whatever reason.