Does basic Medicare(no Advantage Plan) cover hip replacement surgery?

Answer 1

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Yes.
Original Medicare includes Part A & Part B. Your hospital care would come under Part A. Your doctor's services would come under Part B. However there would be considerable out-of-pocket expenses so most people purchase medi-gap insurance to cover what Medicare doesn't.

However if all you have is Medicare Part A (that's the one that you pay no premium for), there will be a lot of out-of-pocket expenses. If you opt to buy Part B (it costs around $94 a month) there will still be some out-of-pocket expenses. Many (most?) people who have Medicare Parts A & B also purchase medi-gap insurance to cover the rest. If your medi-gap insurance doesn't include Rx coverage you may purchase Part D Rx insurance from a private insurer.

Medicare Part A is hospital insurance. Part B is medical insurance.
You need to get yourself a copy of the 2008 ed of "Medicare & You". The text of this booklet is on their website: http://medicare.gov

If you are in a Medicare Advantage or Cost Plan, this takes the place of the purchase of medi-gap insurance. These plans will require you to purchase Part B. Some of them include Rx coverage; others don't. If they don't you may purchase Part D Rx insurance from a private insurer. Advantage plans require you to use certain providers. I have this kind of coverage with an HMO that I have used for 25 years.

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Asker's Comment:

basic but informative

Answer 2

The quick answer is yes, but you can always call your medicare provider and ask.

You didn't say whether or not you have a Medicare Supplement insurance. If you do then there probably won't be any out of pocket expenses. If you can't afford Medicare supplement insurance call your county Department of Human Services to see if you qualify for Medicaid. DHS can also help you pay the $90+00 a month medicare premiums.

Good luck.

Source(s):

Been there done that in spring 2005!