Services Provided Under Medicare Supplement Policies

Last updated: March 30, 2016

What's Covered and What's Not Covered

The following services are provided under Medicare. Medicare supplement plans help pay for portions of these services not covered by Medicare. The following details, from www.Medicare.gov, will help you determine whether or not you will need a supplement policy.

Hospitalization

Medicare covers:

  • A semiprivate room

  • Meals

  • General nursing

  • Other hospital services and supplies

    • This includes care in critical access hospitals and inpatient mental health care.

This Does Not Include:

  • Private duty nursing

  • A television or telephone in your room

  • It does not include a private room (unless it a private room is medically necessary)

Medicare does not cover Part A deductible, coinsurance, or coverage after your allotted number of days have been used each benefit period.

Skilled Nursing Facility Care

Medicare covers:

  • A semiprivate room

  • Meals

  • Skilled nursing

  • Rehabilitative services

  • And other services and supplies (after a related 3-day hospital stay).

You must have been admitted to the Medicare-approved nursing facility within 30 days of leaving the hospital.

Medicare does not cover coinsurance or coverage after 100 days per benefit period.

Blood

  • Medicare covers pints of blood you get at a hospital or skilled nursing facility during a covered stay after the first three pints.

Medicare does not cover the cost of the first three pints of blood. You are responsible for the cost of the first three pints and the Part B deductible.

Hospice Care

Medicare covers:

  • Medical and support services from a Medicare-approved hospice for people with a terminal illness

  • Drugs for symptom control and pain relief

    • Hospice care is given in your home.

    • However, short-term hospital and inpatient respite care (care given to a hospice patient by another caregiver so that the usual caregiver can rest) are covered when needed.

    • You must have a doctor’s certification of a terminal illness.

Medicare does not cover the copayment or coinsurance.

Medical Expenses

Medicare covers:

  • Doctor services

  • Outpatient medical and surgical services and supplies

  • Diagnostic tests

  • Ambulatory surgery center facility fees for approved procedures

  • Durable medical equipment (such as wheelchairs, hospital beds, oxygen, and walkers)

  • Second surgical opinions

  • Outpatient mental health care

  • Outpatient physical and occupational therapy

    • Including speech-language therapy

Medicare does not cover the Part B deductible or coinsurance.

Clinical Laboratory Services

Medicare covers:

  • Blood tests

  • Urinalysis

  • And other tests for diagnostic services.

Home Health Care

Medicare covers:

  • Part-time skilled nursing care

  • Physical therapy

  • Occupational therapy

  • Speech-language therapy

  • Home health aide services

  • Medical social services

  • Durable medical equipment (such as wheelchairs, hospital beds, oxygen, and walkers) and medical supplies

  • And other services

Medicare does not cover the Part B deductible.

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