When looking to use your Medicare coverage to help with the costs of diagnosing, managing and relieving your back pain understanding what type of Medicare you have can help you know what sort of coverage to expect. Keep in mind that many individuals have more than one type of medicare plan (for example, many people have Medicare Part A and Part B at the same time). Here are the four types of medicare and how they could help, if at all, in paying some of the costs associated with finding relief for back pains.
Medicare Part A is unlikely to cover any costs related to backpain unless the cause of the pain requires a stay in a hospital. Part A, also known as hospital insurance, is a part of traditional Medicare that most people are automatically enrolled in once they turn 65 years old. This insurance is designed to help cover the cost of staying in a hospital, a nursing facility or a hospice. For those with Part A, a deductible must be paid before Medicare will cover the rest of the cost associated with care and a monthly fee could be included based on a person’s work history.
Medicare Part B will cover a number of treatments and appointments related to back pain. A few treatments are not covered so it is important to check with your insurance before beginning any. Individuals with Part B often must pay a deductible before the insurance will begin covering the cost of their care as well as a monthly fee. Most outpatient visits are covered, allowing individuals to seek help for their back pain without worry. Medical equipment such as back braces, should be fully or partially covered depending on your plan. Be sure to check in advance that the doctor you want to see will except Medicare part B to ensure that you don’t end up with the entire bill.
Part C, or Medicare Advantage, is a type of Medicare health insurance plan that is provided from private insurance companies. It gives you all the benefits of the other plans, with some additional options as well. Plans can very significantly based on the individual and company providing the plan. If looking for a plan to cover the cost of back problems, talk to insurance companies about exactly what type of coverage you are looking for and your budget.
Medicare Part D is the prescription plan offered by Medicare. It covers the cost of prescription drugs ordered for you by a doctor. If you are receiving pain medication to help manage your back pain, Part D may cover all, or a percentage of, the costs of filling your prescriptions. There may be limitations set forth by the insurance restricting the amount of pills you can receive at one times and possibly requiring you to schedule a new appointment each time you need a refill. If you can not afford Part D, there may be financial help available to you to help cover the costs of the plan.