Retiree insurance and Medicare coordination

…them to work with Medicare. Be sure to speak to your employer’s HR department for more information. Fee-for-service (FFS) plans pay for care from any doctor or hospital. FFS plans…

The Part D donut hole

…Assistance Programs (SPAPs), AIDS Drug Assistance Programs, and the Indian Health Service Costs that do not help you reach catastrophic coverage include monthly premiums, what your plan pays toward drug…

Phases of Part D coverage

…by others, including family members, most charities, and other persons on your behalf Amounts paid by State Pharmaceutical Assistance Programs (SPAPs), AIDS Drug Assistance Programs, and the Indian Health Service…

Outpatient hospital basics

…splints and casts X-rays and other radiation services In some cases, you may stay overnight in the hospital without being formally admitted as an inpatient by your doctor. For example,…

Inpatient hospital basics

…pay a daily hospital coinsurance. Part B continues to cover any outpatient provider services you receive while in the hospital. You usually owe a separate 20% coinsurance for these services….

Coverage of manual wheelchairs

If you think you need a manual wheelchair, first speak to your doctor or primary care provider (PCP). If your PCP determines that it is medically necessary that you use…

DME overview

…rent or buy DME. There are also special rules when you need oxygen equipment. Medicare typically only pays for standard equipment that meets your health needs. If you want special…

Cardiac rehabilitation programs

…treatment plan Outcome assessment Costs Original Medicare covers cardiac rehabilitation at 80% of the Medicare-approved amount. If you receive care from a participating provider, you pay a 20% coinsurance after…

SNF care past 100 days

…speech therapy, Medicare may continue to cover those skilled therapy services even when you have used up your SNF days in a benefit period—but Medicare will not pay for your…

SNF costs and coverage

…occupational therapy Medical social services and dietary counseling Medications Medical equipment and supplies Ambulance transportation to the nearest provider of needed services, when other modes of transportation would endanger your…