The Original Medicare Part A and Part B offer health care benefits:
• Medicare Part A covers hospitalization costs and surgery, along with limited and short-term nursing home care, and skilled nursing facility care. It’s generally designed to involve required inpatient medical care, but it can also cover hospice and other home health-care services.
• Medicare Part B covers doctor visits, screenings, physical therapy, flu shots, mental health care, lab tests, and medical equipment like wheelchairs and other prescribed health care devices. Part B can also cover wellness exams, an ambulance ride, nutrition counseling, and mental health treatment.
Medicare plans cover Medicare approved medical expenses, but you may have discovered that it doesn’t cover everything. So, there are very real and practical reasons to consider supplemental insurance plans in Maine and New Hampshire.
Here are additional benefits private insurance can provide beyond Medicare Parts A and B:
• Alternative Therapy & Care Options. If you need holistic or alternative options for acupuncture, naturopathy, or other alternative or off-list therapies or treatments. (Medicare B may cover chiropractic care if prescribed for spinal manipulation.);
• Dental Care Solutions. Supplemental health care insurance will cover dentures and other dental care services only if it’s medically required (For example, you had an accident). Cleanings, dental plates, devices, fillings, or extractions most likely won’t be covered;
• Optometry Care. Vision care is also not covered by Medicare Part A and B (except for instances where Medicare Part B covers eye exams if you have diabetes, glaucoma, or even some scenarios related to cataract surgery), so you will need to cover the cost of eye exams and other vision-related charges;
• Long-Term Care. Although short-term, acute care is covered by Medicare, it doesn’t cover custodial care for periods of longer than 100 days. Do not rely upon Medicare to cover long term care expenses;
• Audiology Solutions. Medicare Parts A and B do not cover hearing aids or other care related to hearing loss and deafness. It’s not considered a critical health issue by Medicare, so you should consider additional forms of insurance to cover this need;
• Podiatry Care Options. If you need special foot care attention or care, Medicare Parts A and B does not cover it unless it’s so severe that it’s deemed to be a medical necessity;
• Overseas Care. THIS IS IMPORTANT! If you’re traveling outside of the US and need medical care or treatment, Medicare Part A and B generally does not cover these costs. If this is a planned trip and you’re concerned about coverage, you can purchase supplemental insurance, or also look into options for travel insurance plans.
Blue Goose serves your needs by offering unbiased advice about Medicare plans. Our work as agents focuses on analyzing your situation and then offering you the best health care insurance solutions for you.
We offer education and support to help you understand all the options that are available to you, as well as the supplemental insurance that you’ll need for your other health-and-wellness related needs. Beyond answering your questions, and offering suggestions, we take pride in the level of service and support that we offer. Learn more here.