As people get older and become eligible for Medicare, they may be concerned about which parts of their health care costs will be covered and which parts they will be completely responsible for. This is especially true when it comes to coverage for mental health, as those visits can become quite expensive over time.
Medicare Part A does cover mental health care, but each inpatient service will require the patient to pay their deductible. There is also a coinsurance charge for any days of hospitalization past sixty, and no one will receive benefits for over one hundred and ninety days of mental health hospitalization in their lifetime.
Medicare Part B will cover outpatient mental health services, but there is a deductible that everyone is required to meet as well as copays. However, one mental health screening is allowed each year at no cost to the patient.
At this point, many seniors will be wondering how they will be able to afford to pay for their medical bills, but that is where Medigap insurance can be a huge help.
Inpatient hospitalizations are still the same with Medigap as they are with Medicare Part A as to how many days are covered. However, there is a chance that extended visits will be approved through a person’s Medigap coverage. Medigap will cover all of Medicare Part A’s coinsurance and copays, and most of the Medigap plans will cover the deductible as well.
The exceptions to the inpatient deductible being paid out by Medigap are that Medigap Plan A will not cover it at all, and Plan K requires the patient to pay fifty percent while Plan L requires a person to pay twenty-five percent.
Almost every Medigap plan will cover the copays and coinsurance that a person is responsible for from their Medicare Part B coverage, but only Medigap Plans C and F will cover the deductible portion of Medicare Part B. Medigap Plan N will require the patient to pay a copay for each of their doctor’s visits, while Plan K requires the patient to pay fifty percent, while Plan L requires a payment of twenty-five percent from the patient.
As for all the excess charges that a person receives, mainly from a doctor that doesn’t accept Medicare assignments, those are only covered by Medigap Plans F and G.
This shows how important it is for seniors to purchase the proper Medigap insurance as soon as they are eligible for it. Everyone will want to do their research to see which option will benefit them the most, so that they do not find themselves drowning in medical debt due to purchasing the wrong type of Medigap insurance plan.
Learn more about Medigap plans and rates at http://emedigap-plans.com. Medigap Insurance brokers will help you compare Medigap Insurance rates and plans. To talk to an expert in Medigap coverage call toll free 888-452-7949!