Exemptions to the Individual Mandate
There are some cases where there is no penalty to not having coverage.
Medicare was never intended to pay 100% of medical bills. It forms the foundation for beneficiaries’ protection against heavy medical expenses.
There are gaps in Medicare coverage where the beneficiary must pay a portion of expenses. Medicare supplement insurance, also called Medigap, can help cover some of these expenses.
The Kansas Insurance Department is charged with regulating Medicare supplement insurance.
Deductibles, coinsurance or copayments when you obtain certain health care services
Dental care and dentures
Long-term care, like custodial care (help with bathing, dressing, using the bathroom and eating) at home or in a nursing home
Eye care (routine exam), eye refractions
Hearing aids and hearing exams
Orthopedic shoes (with a few exceptions)
Outpatient prescription drugs (with a few exceptions)
Routine foot care, such as cutting of corns or calluses (with a few exceptions)
Diabetic supplies (like syringes or insulin, unless the insulin is used with a pump or it may be covered by Medicare Part D)
Chiropractic services except to correct a subluxation (when bones in your spine move out of position) using manipulation of the spine. You are responsible for coinsurance, and the Part B deductible applies
To find out if Medicare will cover a service, visit
www.medicare.gov/coverage or call 800-Medicare (800-633-4227).
Medicare supplement insurance was created to help cover some of these gaps in coverage. Click here for more information on what Medicare supplement insurance covers to help you decide whether it is right for you.