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Medicare Coverage – What Do Medicare Parts A & B Cover?

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In this article, we are going to have an overview of Medicare coverage and talk about the differences between parts A and B. Medicare Part B is the part of Medicare that covers medical services, medical supplies, and doctor visits. It is provided by the government to certain individuals who meet the qualifying guidelines.

This insurance covers expenses incurred for doctor visits, outpatient, and home health care. Equipment to be used by patients for therapeutic purposes can be covered. Also, canes, crutches, and wheelchairs are just some of the medical equipment Medicare Part B covers.

Outpatient Care Medicare Coverage

Outpatient care covered by Medicare Part B is the doctor care and services you receive in a hospital. However, it does not require an overnight stay in the hospital. Examples of services covered as an outpatient may include surgery, lab work, and medicine administered intravenously. In addition, it covers EKGs under outpatient care. Also, an Emergency Department visit is considered an outpatient service covered by Medicare Coverage.

Home Health Care Medicare Coverage

Medicare Part B will pay for a nurse to come to your home. The nurse will monitor your illness, give injections if necessary, and administer wound care to you if needed. First, the nurse will take your vital signs. She will make sure you are taking the medication you should take when you should take it. Home care also includes physical therapy, speech therapy, and other types of healthcare services. However, home health care only covers nursing care if they gave it on a part-time and on and off basis.

Medical Equipment Covered by Medicare Part B 

Aside from canes, crutches, and wheelchairs, Medicare Part B covers much more. Examples of equipment covered include:

  • Glucose monitors
  • Glucose test strips
  • Portable toilets
  • CPM machines
  • Hospital beds
  • Pumps for suction
  • Pumps for administering drugs
  • Accessories for people needing oxygen
  • Walking equipment

Someone must medically need the medical equipment prescribed in order for it to be covered by Medicare Part B. Your home is where the equipment must be. In addition, the equipment must only be for a medical purpose and used for that medical purpose.

Does Medicare Part B cover Preventive Services?

Medicare Part B covers preventive services. Some services may be a onetime screening, while they may cover others more than once. Some of the preventive services include screenings for the following:

  • bone density
  •  heart disease
  •  certain types of cancer
  •  diabetes
  • glaucoma
  • depression

Besides screenings, they cover preventive shots such as flu, hepatitis B and pneumococcal with Medicare Part B. Also, a preventive wellness visit every year and nutrition therapy services is part of it.

Who Qualifies for Medicare Part B?

If you have Medicare, you qualify for Medicare Part B. Remember, though that you may not be able to get coverage for Medicare or Medicare part B until you are 65 years old. Certain individuals younger than that can get coverage if they are disabled. Someone who requires dialysis because may also qualify for Medicare and Medicare Part B.

Do I have to Get Medicare Part B and Is there a Fee for it?

Medicare Part B is not something you must have. If you decide to enroll in this plan, you will have to pay a fee. The majority of people who have Medicare Part B pay a standard amount in premiums. However, people with higher incomes can sometimes have higher premiums to pay. Note that if you do not enroll for Medicare Part B when you do become eligible for it, you could be penalized, and you may be subject to a late enrollment fee.