What Does Medicare Insurance Cover?


Quick Answer

Medicare Part A insurance covers hospitalizations and certain types of long-term care; Part B covers physicians' services and medically necessary outpatient services; and Part D covers prescription drugs, explains the AARP. Beneficiaries can choose Medicare Part C, known as Medicare Advantage, which includes all of the Part A and Part B covered benefits in a combined plan. Medicare Advantage plans, which are offered through private insurance companies, frequently include Part D coverage as well.

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Full Answer

In addition to covering the cost of hospital stays, Medicare Part A helps pay for expenses related to stays in a skilled nursing facility, home health care and hospice care, stated the AARP. Part A also covers medicines that are given while an inpatient.

Medicare Part B covers most medicines given during a doctor's office visit as well as rehab therapy, certain medical equipment and lab tests, reports the AARP. Part B benefits include an initial “Welcome to Medicare” exam, followed by annual wellness visits every 12 months. Also covered are several early detection screenings for diabetes, heart disease, HIV, and breast, cervical and prostate cancers.

Original Medicare in most cases does not cover routine vision or hearing exams, dental exams or routine dental care, nursing home stays, medical services outside the country or routine physical exams, notes the AARP.

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