Medicare is a U.S. government health insurance program for people of age 65 years and older and individuals with certain diseases or disabilities, this began in 1965.
This Medicare is divided into 4 parts but still, there are a few things that Medicare doesn’t cover and you must be aware of them so that you can make the right choice:
Routine dental care, eye exams, hearing aids
Many people have an assumption in their mind that Medicare covers all the routine check-ups but that is not the fact, Medicare A covers certain dental services in case you are in hospital stay, but the routine check-up like dental cleaning, x-rays, root canal, fillings, tooth extraction, etc, aren’t covered in Medicare.
Similarly, most of the vision check-ups and eyesight checkups for glasses or contact lenses are not included in Medicare, in case you have gone through eye surgery like cataract surgery Medicare part B covers one pair of glasses or contacts, even if you have a yearly eye exam for people with diabetes, glaucoma tests or macular degeneration tests, these examinations are covered in Medicare part B.
Medicare doesn’t provide routine checkups for hearing aids, Medicare Part B does pay for some hearing tests but in case of emergency only.
To cover these expenses you can choose from Medicare insurance solutions from a Medicare insurance company or a Medicare supplement agency that acts as a major savior.
Prescription Drugs
Medicare does not cover prescription drugs, Medicare parts A and B don’t offer any such service, if you want coverage then you have to buy Medicare part D or you can choose any Medicare insurance company which can provide you with such a plan. You can visit simple horizons which provide you with a Medicare part D.
Medicare part B covers a few drugs under its umbrella like injectable osteoporosis drugs, and oral drugs for end-stage renal diseases, these are all outpatient drugs which mean they are received at doctors’ administrative offices or in hospitals.
Long term Care Coverage
There is a lot of confusion when it comes to long-term care, some people think that Medicare covers long-term hospital care, but that is not the case, Medicare does not cover long-term care facilities like bathing, eating, staying costs in a hospital, only in some cases when your doctor recommends it, after conducting a certain test, in that case only, Medicare provides coverage that too only for 100 days, nothing more than that.
Even the Medicare Advantage Plan doesn’t cover such expenses, these expenses are quite costly and create a lot of load on an elderly person. There are very high chances that a person of age more than 65 years will go through hospital care once in his/her life, therefore you must check some Medicare insurance solutions.
Overseas Health Care
In case, you plan to move out of the U.S. in the coming years, then Medicare is not for you, because Medicare is only valid till the time you are living in the U.S. except in certain cases like if you are traveling through another country and there is a health emergency wherein the other country hospital is closer than the U.S, hospital, in that case, Medicare will be considered towards your expenses, you might consider Medicare supplement agency like the simple horizon, which can provide you with a plan that suits your requirement, they have tied up with 25 different Medicare plans including supplements, advantage, drug plans.
Alternative Medicine & Cosmetic Surgery Coverage
Medicare doesn’t cover alternative medicine and cosmetic surgeries.
Medical marijuana, massage therapy, and experimental procedures aren’t provided by Medicare even if they are recommended by your doctor.
Only in some cases like acupuncture in case of lower back pain or in case of chiropractic procedure that too only when one or more bone in your spine has been dislocated out of position but still you have to pay 20% of the medical cost.
Moving on to cosmetic surgery, Medicare doesn’t provide any coverage for such surgeries but if you have gone through mastectomy due to cancer, it will cover breast prostheses for breast reconstruction.
In case you meet through an accident due to which your nose has deformed then rhinoplasty will be covered by Medicare or you have a malformed body part, Medicare covers 80% of approved costs.
To get the approved costs you will have to file various documents that prove your case to the government which becomes a tedious task for anyone, to your rescue comes Medical insurance solutions like the simple horizon which provides some amazing solutions for your Medicare needs, simple horizon acts as support where they take away all your headache regarding filing your documents, passing the bills, talking to the authorities and not just that they help you in finding the best plan according to your needs, which also acts as a guidance for common people, so if you are looking out for some support and guidance while selecting your Medicare, simple horizon is the best solution for you.
