As much as possible, you do not want to spend anything when it comes to health care insurance because it is expensive when you get sick but you are required to pay deductible, coinsurance, and copayments. On top of that, you need to be aware of the non-coverage clause so you will know what to expect in the future. In the case of virginia medicare plans, there are particular services that it will not cover.
This means that you will have to pay for it unless you have other insurance or Medicare health plan that cover it. The coverage and non-coverage will, of course, depend on the Part. There are two ways to get your Medicare coverage – Original Medicare and Medical Advantage Plan. There are two parts of Original Medicare – Part A (Hospital Coverage) and Part B (Medical Coverage). Medical Advantage Plan is referred to as Part C. Some get additional coverage like Medicare Prescription Drug Coverage (Part D) and the Medicare Supplement Insurance (Medigap).
As soon as you learned about the different parts and you found out when you can get Medicare, you should think about non-coverage so you can prepare for the future. For your information, here’s a list of medical services that are not covered by Medicare:
Long-term or custodial care
Medicare will only pay for a short-term stay. The patient should at least stay three or more days in the hospital prior to the nursing facility. There will be no cost sharing for the first twenty days but you will owe $161 every day from day 21 to 100. You have to know that Medicare will not pay nursing home stays that are more than 100 days.
If you are having a hard time doing personal things on your own and needing help, Medicare will not cover the cost of hiring for help. It won’t also pay for housekeeping services regardless of your requirement.
If you received care outside the United States, Medicare will not cover the cost. However, there are some exceptions to this rule. For example, if you are injured in the United States but the closest is the foreign hospital, Medicare may pay.
Even if it is believed that acupuncture can help relieve various ailments by inserting needles into the skin, Medicare will not pay for this procedure.
If you are seeking to remove calluses and maintain your nails including foot cleaning, Medicare will not pay for it. However, if the routine foot care is related to an injury like heel spurs and hammer toes needing podiatrist services, Medicare may pay.
If the cosmetic surgery is because of a deformity or injury, there is a chance that Medicare will pay for it. However, you have to know that most they won’t cover for most types of cosmetic surgery.
Contacts and glasses
If you need contacts or glasses, Medicare won’t cover for it. However, if you endured cataract surgery that needed an intraocular lens implant, Medicare will pay for it. For eye exams and tests, Medicare Part B might cover especially those with glaucoma.