Find answers to the questions important to you when choosing the appropriate Medicare Advantage plan: does Medicare pay for prescription drugs, will it pay for a chiropractor, etc.
Here are some aspects to pay attention to.
If there is a specialist you are seeing, check and make sure that your specialist is a chiropractor covered by the network under the desired Medicare Advantage plan.
The problem with the networks is that they change frequently, so you have to constantly stay updated and check if your plan does pay for a chiropractor of your choosing.
Always inspect the network thoroughly, as you may face substantial financial risks if you leave the network covered by your plan.
Type of condition
If you have developed a chronic or serious condition, it is usually better to return to regular Medicare. Original Medicare plan offers coverage for all hospitals and doctors that participate in the program.
However, when asking ‘’will Medicare pay for prescription drugs?’’ you will discover that you will pay more for Part B and Part D prescription drug coverage under regular Medicare than you would be paying for a Medicare Advantage plan that covers the necessary drugs.
That being said, it is far more important to have access to a larger network of hospitals and doctors when dealing with a newly discovered medical condition. That is what original Medicare coverage plan offers – more options for treating your condition, which doesn’t necessarily require prescription medication.
Prescription drug coverage
The question “does Medicare pay for my drugs” is a difficult one to answer, as the formulary, i.e. the list of approved drugs, constantly changes.
The plans add, remove, and change deductibles and co-payments for medication. You should regularly check the Medicare official website, and inspect potential changes.
Type in all the medication you are using to check if Medicare will pay for it. This is the easiest way to observe any changes, and to see if you need to change your Advantage plan.
Many of the Medicare Advantage plans use preferred pharmacy lists, meaning that the medication covered by a plan is cheapest at certain pharmacies.
It always pays off to visit a pharmacy that has a contract with your desired health plan than to visit pharmacies outside it. The prices differ substantially.
Always check that there is a preferred pharmacy conveniently close to your home, as it saves not only money, but also time. Some people may not be able to cover larger distances at all, depending on the condition.
Always check the total projected costs of the desired Medicare Advantage plan, and not just the premiums. Some people see a low premium, and think it will pay for a chiropractor without any additional costs.
It may not be that simple. Check the estimated health and medication costs. This will show you how much the plan will actually cost you. In addition, take a look at health benefits, showing out-of-pocket limits, as well as the limits of leaving your designated plan network.
Pay attention, as some plans have no out-of-network limits, which can significantly drive up the spending if you suddenly develop a health problem and have to visit many different specialist.
Does Medicare pay for chiropractic procedures? It does with us!
If you are in doubt whether your Medicare plan will pay for a chiropractor, don’t worry. Fix Body Chiropractor Group offers Medicare covered chiropractic procedures, meaning less money out of your pocket for the best treatment available. Check your network today and contact us.