“Well will my insurance cover that? Medicare should cover that, right?”
“Yes, this will be covered under your Part A Medicare coverage”
“My what? Part A, what’s that?”
Generally Medicare is known to cover medical expenses over the age of 65. Take it one step further and it is known that Medicare Part A is generally the hospital portion, and the rest is Part B. Let’s take it one more step to fully understand.
As mentioned above Part A generally refers to hospital based coverage, however there are various services that are also covered by Part A that do not take place within the hospital. So what does Part A cover?
Generally Medicare will only continue to provide coverage for various services if and only if they are deemed medically necessary. For example, as an individual progresses through a physical therapy recovery protocol they may progress to the point in which Medicare will no longer deem service medically necessary. Both patient and therapist know it is important to continue, however Medicare can not continue to provide service. Medicare may also hold place caps on patients, such as therapy caps that do not allow individual patients to receive care beyond a particular payment threshold.
The limitations created under Medicare guidelines highlight the importance of alternative methods to continue care.
Medicare coverage can be confusing at times. It is best to speak with your healthcare provider to understand what you or a loved one may qualify for.