Allsup Outlines 10 Essential Questions People Need to Ask when Evaluating Medi... (insurance to determine the extent that m...)

Allsup Outlines 10 Essential Questions People Need to Ask when Evaluating Medicare Plans

Date:12/17/2008

insurance to determine the extent that medications are covered. Additionally, they should find out if drug coverage is offered during the Medicare prescription drug donut hole. Find more information about the donut hole at Allsup.com.

5. Does the plan cover medical equipment?

Traditional Medicare covers durable medical equipment (e.g., reusable medical equipment such as walkers, wheelchairs and hospital beds) so long as it's medically necessary. Medicare Advantage plans are required to cover the same things as traditional Medicare. However, costs between plans vary and may be lower with Medicare Advantage plans. Check the plans you are considering to determine the array of equipment covered because some plans may have broader offerings than traditional Medicare.

6. Does the plan cover dental, vision, hearing and other care?

Traditional Medicare does not cover most types of dental, vision, hearing or other care beyond basic medical. Some Medicare Advantage plans offer this additional coverage, for example, covering dentist visits and dentures, hearing aids, routine eye exams and eyeglasses.

7. What are the premium costs?

The Medicare premium is only one portion of the healthcare cost. Individuals in traditional Medicare as well as Medicare Advantage plans pay the same base monthly Medicare Part B premium. However, besides the premium, out-of-pocket costs for things such as co-pays and deductibles can vary significantly. While providing extra coverage, Medicare Advan
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