The A, B & C’s of Medicare Parts A & B commonly called “Original Medicare” explained by Tim Hanbury and Jason Mackey, authors of Medicare Blueprint.
Medicare Part A is usually described as “hospital insurance,” However, this term can be misleading, as Part A doesn’t cover everythingthathappensinahospital. Itdoeshelppaythecosts of inpatient care in a hospital, rehab hospital, skilled nursing facility, hospice care,andhomehealthcare. It helps pay for the following such as Nursing services and other hospital or facility charge. The most important thing to remember is that Part A does not pay for physician charges in a hospital. Medicare Part A also does not cover long-term nursing home stays or custodial non-medical in-home health care.
Medicare Part B, or what many call “medical insurance,” helps cover physician officevisits and outpatient urgent care. It also covers physicians’ expenses for inpatient and outpatient medical and surgical services. There are a wide range of other services it covers, such as:
• lab services done outside of hospital
• serviceslikeflushots,mammograms and everyone’s personal favorite, a colonoscopy.
• Part B covers outpatient hospital treatments like emergency room visits and outpatient surgery.
There are a few things that are not covered under Part B, such as:
Routine dental, vision and hearing services.
Keep in mind this is routine services that are not medically necessary.
For example, we have had people call upset because they thought Medicare doesn’t cover eye exams for their Glaucoma, cataracts or diabetes. That is not accurate. Because Medicare will cover these services because they are related to a medical condition.
So, you will have to pay for a routine exam for eyeglasses, but Medicare does cover exams if it’s related to medical condition.
The biggest confusion is that Medicare Part B does not cover outpatient prescription drugs and that is true. That is covered under Medicare Part D, which covers prescription drugs you get at your local pharmacy. Part B does cover prescriptions that are given in an outpatient setting such as a physicians’ office or facility. Examples of this would be chemotherapy medications and other medications that are given by injection at your physicians’ office.
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