What does medicare cover?

Many people have often asked, “what does medicare cover?” Understanding what exactly medicare covers is essential because it could be the cause of serious financial strain in case of a medical emergency. Medicare cover is offered as a two-part program for people around the age of 65 years. One does not have to be retired to benefit from this program. Even those who are still working by this age can still benefit from the program.

It consists of two components namely the hospital insurance program and the medical insurance program. The hospital insurance program caters for all charges incurred when one is hospitalized. If one does not possess social security, then they are required to pay a small premium to be eligible for this package. The medical insurance package covers all costs incurred within the outpatient service delivery system as relates to doctor’s fees and other charges for medical supplies. If one is eligible for hospital insurance, he or she has the option of subscribing to medical insurance, but only after paying a certain premium.

Medicare does not cover every aspect of medical care as realized in their dental insurance plans that only covers patients who are older than 65 years, are disabled or have got chronic kidney disease. However, even within these groups, it does not cater for routine dental checkup, cleaning, filling and dentures. It will, however, pay for various dental procedures but will not pay for further dental procedures that arise from the initial procedure. In cases where a dental procedure is deemed as essential or life threatening, medicare dental covers the cost of the procedure as seen in the case of tooth extraction for a facial tumor. It however does not pay for fillings of dental implants that may result from the procedure.

It will, however, pay for routine oral examination for those about to receive kidney transplants and heart valve replacements. Dental services that are required for radiation treatment as in the case of oral cancer are also covered under the plan. Once the initial disease is treated, medicare will not cover any dental follow-up visits. It will, however, pay for any hospitalization that may result from a dental procedure as in the case of infection as a result of teeth extraction. However, during hospitalization, medicare will not cover procedures that were initially not covered in the original plan.

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