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Anonymous
Anonymous asked in Business & FinanceInsurance · 1 month ago

What's not covered by Part A & Part B?

Medicare 

5 Answers

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  • 1 month ago

    1.Prescription Drugs Part D except for some special ones under Part B.

    2.Approximately 25% of medical costs not covered by Medicare for which you must buy private insurance.

    Look at the Medicare site and see what is not covered.

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  • 1 month ago

    Part A covers the hospital bill. Room, food, all charges related to the hospitalization itself. After the yearly deductible (in excess of $1,300 now), all charges are paid for a stay of up to 60 days. For longer stays, days 61-90, there is a daily copay of $300+. After 90 days, the daily charge approaches $700, and there is a lifetime maximum of 60 days for that. Once those 60 days are used up, you pay the full daily cost of being in the hospital.

    Part B covers the doctor bills. Medicare pays no more than 80% of the allowed amount for what is being provided. In order for hospitals and doctors to accept Medicare patients, they must agree to those reduced amounts. That is why some doctors will not accept Medicare patients at their practice; they do not agree with the lower fees.

    Medicare does not cover outpatient prescription drugs unless you purchase Medicare Part D.

    Medicare does not cover dental care that is not a medical emergency.

    Medicare doesn't cover routine eye exams or glasses (with some exceptions).

    Medicare does not cover hearing exams or hearing aids.

    Medicare does not cover medical care outside of the US (except on cruise ships within a short window of time from a US port).

    Medicare does not cover long-term nursing care.

    If you have Part B (Part A is automatic and there is no premium), you can buy an Advantage plan or a supplemental plan (medigap) that does cover some of the things Part B does not cover.

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  • Judith
    Lv 7
    1 month ago

    20% of what Medicare considers to be the "reasonable cost" of a procedure (known as your copay), the yearly deductible and prescriptions.  Doesn't cover routine dental care or routine eye exams (unless diabetic in which case they are diabetic eye exams) nor does it cover long-term care in a facility; e.g. nursing home, assisted living, etc.  Pretty much the same as most health care insurances but at a lower cost to you.

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  • 1 month ago

    Prescriptions and deductibles.

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  • Eva
    Lv 7
    1 month ago

    Nursing home care, home care, drugs. You need Part D, an Advantage plan, or Medicare supplement for those.

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