Medicare Blog

how to know if you are covered by medicare

by Prof. Mauricio Corwin Published 2 years ago Updated 1 year ago
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  • Check your Medicare enrollment online. You can quickly find out what Medicare coverage you have (Part A hospital insurance and/or Part B medical insurance) by checking your enrollment status online.
  • Review your Medicare plan coverage options. It’s a good idea to review your Medicare coverage every year to make sure the benefits of your Medicare plan remain aligned with your ...
  • Make changes to your Medicare plan coverage during the right time of year. ...
  • Find out what Medicare plan may fit your needs. Did you know that you could potentially find a Medicare Advantage plan with $0 premiums, $0 deductibles and an annual out-of-pocket ...

For general information on what Medicare covers, visit Medicare.gov, or call 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048. You have the right to get Medicare information in an accessible format, like large print, Braille, or audio.

What does Medicare really cover?

Medicare covers up to 100 days of part-time daily care or intermittent care if medically necessary. You must have spent at least three consecutive days as a hospital inpatient within 14 days of receiving home health care. If you don’t qualify for home health care coverage under Part A, you might have Medicare coverage under Part B.

What items are covered by Medicare?

  • Durable medical equipment (DME)
  • Prosthetic devices
  • Leg, arm, back and neck braces (orthoses) and artificial leg, arm and eyes, including replacement (prostheses)
  • Home dialysis supplies and equipment
  • Surgical dressings
  • Immunosuppressive drugs
  • Erythropoietin (EPO) for home dialysis patients
  • Therapeutic shoes for diabetics
  • Oral anticancer drugs

More items...

What is not covered by Medicare?

Some of the items and services Medicare doesn't cover include: Services that include medical and non-medical care provided to people who are unable to perform basic activities of daily living, like dressing or bathing. Long-term supports and services can be provided at home, in the community, in assisted living, or in nursing homes.

How do you check out your Medicare coverage?

  • You can use the enrollment check at Medicare.gov
  • You can check the status online at http://www.mymedicare.gov
  • You can call Medicare at 1-800-633-4227
  • Members can visit a local office to review the coverage in person

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What is Medicare.gov?

Medicare is the agency that runs Medicare. It has many regional contractors that support the systems for payments, processing claims, and durable medical equipment. It oversees the performance of private insurance providers that sell Medicare Advantage, Medigap, and Prescription Drug plans. Medicare.gov is the ideal place to find ...

What is Medicare and Social Security?

Medicare and Social Security provide tools for determining eligibility and benefits. Medicare is the national health care program for older Americans. The start date for Medicare coverage is important; many other features depend on the date of enrollment. Medicare has four parts that cover hospital insurance, medical insurance, ...

What is comparison shopping in Medicare?

Comparison shopping is the ideal tool for making selections of private health, prescription drug, and gap insurance plans.

How long does it take to get Medicare referrals?

Recipients under age 65 get an automatic referral for Medicare after 24 months of payments. Persons with end-stage renal disease or ALS get automatic eligibility when diagnosed.

How old do you have to be to get Medicare?

Medicare has four parts that cover hospital insurance, medical insurance, private all-in-one plans, and prescription drug benefits. Everyone age 65 or older can get Medicare. Disabled persons can get it while under age 65. Those who paid FICA taxes for ten years can get premium-free Medicare.

How long is the initial enrollment period for Medicare?

The Initial Enrollment Period is the seven-month period that includes the month of the 65th birthday. The period runs from three months before the birthday month, and for three months afterward . This is the ideal time to review options and make choices for Medicare coverage.

Does Medicare have gap insurance?

Medicare has private insurance plans for health, prescription drugs, and gap insurance. Comparison shopping is an excellent method for finding the best fit. Comparison shopping is an excellent method for finding the best fit. Find and compare private Medicare health plans for free by entering your zip code above!

What does Medicare Part B cover?

Part B also covers durable medical equipment, home health care, and some preventive services.

Does Medicare cover tests?

Medicare coverage for many tests, items, and services depends on where you live . This list includes tests, items, and services (covered and non-covered) if coverage is the same no matter where you live.

Medicare Advantage (Part C)

You pay for services as you get them. When you get a covered service, Medicare pays part of the cost and you pay your share.

You can add

You join a Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage.

Most plans include

Some extra benefits (that Original Medicare doesn’t cover – like vision, hearing, and dental services)

Medicare drug coverage (Part D)

If you chose Original Medicare and want to add drug coverage, you can join a separate Medicare drug plan. Medicare drug coverage is optional. It’s available to everyone with Medicare.

Medicare Supplement Insurance (Medigap)

Medicare Supplement Insurance (Medigap) is extra insurance you can buy from a private company that helps pay your share of costs in Original Medicare.

What is an annual review of Medicare?

An annual review of your Medicare coverage can help you determine if your plan combination is right for your needs. For example, if you’re spending a considerable amount of money on prescription drugs, a Medicare Part D plan or a Medicare Advantage plan with prescription drug coverage may be something to consider.

What are the benefits of Medicare Advantage?

Most Medicare Advantage plans offer additional benefits not covered by Original Medicare, such as dental, vision and prescription drug coverage. Medicare Part D provides coverage for prescription medications, which is something not typically covered by Original Medicare.

How long does Medicare AEP last?

The Medicare AEP lasts from October 15 to December 7 every year. During this time, Medicare beneficiaries may do any of the following: Change from Original Medicare to a Medicare Advantage plan. Change from Medicare Advantage back to Original Medicare. Switch from one Medicare Advantage plan to another.

What is Medicare Part B?

Medicare Part B is medical insurance and provides coverage for outpatient appointments and durable medical equipment. Part B is optional, but is required for anyone wanting to enroll in Medicare Part C, Part D or Medicare Supplement Insurance. Part A and Part B are known together as “Original ...

Is Medicare Part A and Part B the same?

Part A and Part B are known together as “Original Medicare.”. Medicare Part C, also known as Medicare Advantage, provides all the same benefits as Medicare Part A and Part B combined into a single plan sold by a private insurance company.

What are some examples of Medicare coverage documents?

Examples include guidance documents, compendia, and solicitations of public comments. Close.

What percentage of Medicare beneficiaries are excluded from coverage?

For purpose of this exclusion, "the term 'usually' means more than 50 percent of the time for all Medicare beneficiaries who use the drug. Therefore, if a drug is self-administered by more than 50 percent of Medicare beneficiaries, the drug is excluded from coverage" and the MAC will make no payment for the drug.

What is MEDCAC in medical?

The MEDCAC reviews and evaluates medical literature, reviews technology assessments, public testimony and examines data and information on the benefits, harms, and appropriateness of medical items and services that are covered under Medicare or that may be eligible for coverage under Medicare.

What is a local coverage determination?

A Local Coverage Determination (LCD) is a decision made by a Medicare Administrative Contractor (MAC) on whether a particular service or item is reasonable and necessary, and therefore covered by Medicare within the specific jurisdiction that the MAC oversees. MACs are Medicare contractors that develop LCDs and process Medicare claims.

What is local coverage article?

Local coverage Articles are a type of educational document published by the Medicare Administrative Contractors (MACs). Articles often contain coding or other guidelines that complement a Local Coverage Determination (LCD). MACs are Medicare contractors that develop LCDs and Articles along with processing of Medicare claims.

Why are CPT codes not included in CPT codes?

They are used to identify various items and services that are not included in the CPT code set because they are medical items or services that are regularly billed by suppliers other than physicians. For example, ambulance services, hearing and vision services, drugs, and durable medical equipment.

What is a LCD in Medicare?

LCDs are specific to an item or service (procedure) and they define the specific diagnosis (illness or injury) for which the item or service is covered. LCDs outline how the contractor will review claims to ensure that the services provided meet Medicare coverage requirements.

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