No one likes surprise medical bills. Fortunately, you can compare Medicare health plans before signing up to make sure you know what to expect. Medicare Advantage plans require you to use in-network health care professionals and off-brand drugs.
There are Medicare online services that let you see how much a certain service or medication will cost under that plan. Medicare Part B covers a portion of your medically necessary and preventive services. Medicare Original will pay for about 80 percent of your inpatient services.
This includes therapy, meals and medication administered by health care professionals. It will also cover a portion of the ambulance and transportation costs.
Part A generally covers inpatient care in:
- Skilled nursing facilities.
- Nursing homes.
- Hospice locations.
- Mental health facilities.
- Your home.
However, Medicare does not cover all inpatient expenses. Part A will not pay for private rooms or private-duty nursing. It will also not cover extra charges for television, entertainment, and personal care items like socks and razors.
Medicare Advantage plans cover every service Original Medicare covers and more. Your Medicare Advantage plan may cover dental, vision, hearing and more.
Most Medicare Advantage plans also include prescription drug coverage. To get drug coverage with Original Medicare, you will need to sign up for Part D.
Are you planning to retire abroad? Both Original Medicare and Medicare Advantage do not cover care outside of the country, so you would be responsible for all costs. You may consider enrolling in expatriate health insurance.
Did you know that where you live could affect what services or providers are covered? Discover how your location may influence your Medicare coverage.