Q:

What does Medicare cover?

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Quick Answer

According to the official U.S. government site for Medicare, Part A, also known as hospital insurance, and Part B, also known as medical insurance, are the Original Medicare and cover treatments and equipment deemed medically necessary to treat a diagnosed condition or disease in a patient. There are five types of Medicare coverage: Parts A, B, C, D and Medigap. These types cover different aspects of health care.

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What does Medicare cover?
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Full Answer

Expenses such as wheelchairs, surgeries and lab tests are covered under Parts A and B. Part A also covers care in a hospital, nursing home, hospice and some home health services. Part B covers preventative and outpatient services, as well as ambulance services, durable medical equipment and some prescription drugs. Part D offers a more comprehensive prescription drug insurance plan. Medigap is an additional insurance offered to those covered under Original Medicare to fill in the gaps in coverage that Original Medicare creates, according to Medicare.gov.

Part C is the Medicare Advantage Plan and, although separate from Original Medicare, includes Parts A and B. Services are covered by private insurance companies that are approved by Medicare and require an additional premium in addition to the Part B premium. The out-of-pocket costs and rules for obtaining care are not uniform from plan to plan under Part C, but the amount Medicare pays to the plan provider is the same, according to Medicare.gov. Two people on different plans under Part C may pay different out-of-pocket amounts for the same service.

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