If you have just turned sixty-five or are about to, you probably already know you are entitled to medical care through Social Security. Some senior citizens are under the mistaken impression that this health insurance is free and covers everything. These individuals are often unpleasantly surprised to learn that only a small portion of the coverage is free and that, without supplemental insurance, you will have to cover a lot of your medical expenses yourself. If you opt to get Medicare Part B coverage, you should know exactly what it covers and what it doesn't.
Hospital insurance is Part A. This covers your bills if you are admitted to a hospital. It also takes care of hospice costs and some home health care. There are specifics regarding what exactly it covers and what it doesn't. If you are confused about the insurance, your local Social Security office may be able to clarify it for you.
The second section of the plan, covers much more, but it is not free. You will have to agree to allow Social Security to deduct a set amount each month in order to get this medical insurance. The deduction for most people is about one hundred five dollars a month. This amount does not give you total coverage. It will only pay about eighty percent of the approved costs. The patient is responsible for the rest, and many people purchase supplemental insurance to cover this cost.
Once you get the insurance, you can expect it to cover preventative care and medically necessary procedures. You are entitled to a wellness check when you sign up. Visits to doctor's offices, tests and hospital procedures are covered. If you need medical equipment for a specific illness or physical impairment, the insurance will probably pay most of it. Emergency room visits and emergency vehicle service is provided by the insurance, as is intensive care.
Treatment for drug and alcohol abuse is on the list of covered items. Outpatient and inpatient mental health care is covered, as are approved visits to psychiatrists and social workers.
There are a lot of things the insurance does not pay for, and you should be aware of this before you schedule procedures. It does not cover general dental expenses like checkups, dentures, bridges, or implants. The insurance does not cover eye exams or hearing tests. It will also not reimburse you for glasses or hearing aids.
You will have to make your own arrangements if you need long term, custodial, care or for any kind of cosmetic surgery or procedures. It will not cover acupuncture or routine foot care either. Unless you purchase the D section of this government plan, you will have to pay for your prescriptions out of your pocket.
Senior citizens who depend on the medical insurance that goes along with Social Security, should clearly understand their options. There are many different plans available. You just have to decide which one is right for you.
Hospital insurance is Part A. This covers your bills if you are admitted to a hospital. It also takes care of hospice costs and some home health care. There are specifics regarding what exactly it covers and what it doesn't. If you are confused about the insurance, your local Social Security office may be able to clarify it for you.
The second section of the plan, covers much more, but it is not free. You will have to agree to allow Social Security to deduct a set amount each month in order to get this medical insurance. The deduction for most people is about one hundred five dollars a month. This amount does not give you total coverage. It will only pay about eighty percent of the approved costs. The patient is responsible for the rest, and many people purchase supplemental insurance to cover this cost.
Once you get the insurance, you can expect it to cover preventative care and medically necessary procedures. You are entitled to a wellness check when you sign up. Visits to doctor's offices, tests and hospital procedures are covered. If you need medical equipment for a specific illness or physical impairment, the insurance will probably pay most of it. Emergency room visits and emergency vehicle service is provided by the insurance, as is intensive care.
Treatment for drug and alcohol abuse is on the list of covered items. Outpatient and inpatient mental health care is covered, as are approved visits to psychiatrists and social workers.
There are a lot of things the insurance does not pay for, and you should be aware of this before you schedule procedures. It does not cover general dental expenses like checkups, dentures, bridges, or implants. The insurance does not cover eye exams or hearing tests. It will also not reimburse you for glasses or hearing aids.
You will have to make your own arrangements if you need long term, custodial, care or for any kind of cosmetic surgery or procedures. It will not cover acupuncture or routine foot care either. Unless you purchase the D section of this government plan, you will have to pay for your prescriptions out of your pocket.
Senior citizens who depend on the medical insurance that goes along with Social Security, should clearly understand their options. There are many different plans available. You just have to decide which one is right for you.
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