Insurance is an important thing for people to have, but how do you know what your insurance covers and what it doesn’t? Well, we’re here to help! Before we get started, it’s important to note that every insurance plan is different for every person, so it’s essential to speak to your insurance agent to find out exactly what you qualify for.
What Does My Insurance Cover?
Insurance coverage can be confusing, so let’s talk about what most insurance plans may cover. Some essential benefits that can be covered include:
- Emergency services
- Prescription drugs
- Laboratory services
- Preventive and wellness services
The best way to know what is covered under your specific plan is to review the benefits with your insurance agent.
What Does Medicare Cover?
If you don’t understand the general breakdown of Medicare coverage, head over to our previous blog as it gives you an in-depth look at what the plan options offer. For the sake of this blog, let’s discuss some things that Medicare does and doesn’t cover.
Generally speaking, Medicare does not cover dental work or any routine vision or hearing care. However, if an emergency occurs or you have a certain condition, Medicare may cover your care.
Medicare Part A (Hospital Insurance) or Part B (Medical Insurance) may cover part-time home health services if you meet these certain conditions:
- You must be under the care of a doctor regularly or have a plan of care created and reviewed by your doctor.
- Your doctor must certify that you need intermittent skilled nursing care, physical therapy, speech-language pathology, ongoing occupational therapy or that you are homebound.
Please note that Medicare doesn’t pay for 24-hour in-home care, meals delivered to your home, homemaker services or personal care.
What Products are Covered?
You may be wondering if there is any mobile medical equipment or accessories that can be covered. The answer? Yes!
Let’s talk about shoes and inserts first! Most insurance companies process shoes and inserts within two different categories: orthopedic and therapeutic. For orthopedic shoes, insurance companies typically only pay for these shoes and inserts if they are a part of a covered leg brace and are medically necessary. Therapeutic shoes, on the other hand, are used for patients with diabetes. Insurance companies normally cover one pair of shoes per calendar year but check with your insurance provider first.
What about lift chairs? Medicare Part B may cover a portion of those in certain situations. Medicare usually covers the seat-lift mechanism, not the chair itself. However, your doctor must determine that a lift chair is medically necessary to help your condition.
Finding What You Need at Progressive
We know that insurance can be frustrating, but we want to help you find the right equipment that fits your needs and budget and is covered by insurance! Call us today at Progressive Mobility & Medical at 724-228-4568 with any questions you may have or to schedule a consultation with us.