Retirement Partners LLC Blog
Medicare Parts A and B, (original Medicare) cover a majority of your medical expenses after you turn 65 but I want to go over what it doesn’t cover.
Medicare Part A (hospital insurance) helps pay for inpatient hospital stays, stays in skilled nursing facilities, surgery, hospice care, and even some home health care. Medicare Part B (medical insurance) will help you pay for doctors visits, outpatient care, some preventive services, and some medical equipment and supplies. Most people can start signing up for Medicare three months prior to the month they turn 65.
Medicare Part A and B have some significant gaps in coverage that all seniors should be aware of. So I wanted to go over what isn’t covered by Medicare and go over supplemental insurance to fill in the gaps of Medicare Part A and Medicare Part B.
What Medicare does and does not cover can be confusing so I thought I would go into Vision Care since many of my clients ask me about this. Regular vision exams are important as you get older, so let's go over what you can expect.
Medicare Vision Benefits - Part A
Medicare Part A is hospital insurance and only covers vision care when the condition is considered a medical problem - as in a medical emergency or a traumatic injury when you are admitted into the hospital. It does not over routine eye exams.
Medicare Vision Benefits - Part B
Medicare Part B is medical Insurance and covers some vision care, but not routine vision exams. You are also not covered for vision correction such as eyeglasses or contact lenses. An exception to this is if you needed them after cataract surgery. Medicare Part B also does not cover eye refractions.
Medicare Part B covers yearly gluacoma screenings for people who are at high risk. These patients include those with family history and people with diabetes.
Medicare Part B vision benefits cover cataract surgery. Medicare covers the cost of the artificial lens you would need to replace the lens that's affected by cataracts, as well as the cost for vision correction products, such as glasses. Medicare Part B vision benefits also cover eye prostheses for patients with absence or shrinkage of the eye due to birth defect, trauma, or surgical removal. Medicare Part B will cover ocular photodynamic therapy with verteporfin, which is a treatment for patients with macular degeneration.
Medicare Vision Benefits - Part D
Medicare Part D is prescription drug coverage, which works along side Medicare Parts A & B (Original Medicare) coverage. The prescription drug coverage with help cover certain medications related to vision care, like eye drops or other vision medications prescribed by a doctor.
For any Medicare Questions please give us a call!!
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