We’re here to break down the basics of what Medicare will cover for you and your Cystic Fibrosis. In this content, you’ll learn how Medigap and Medicare Advantage can help cover Cystic Fibrosis care. Also, we’ll take a look at drug coverage and potential costs. Then, we’ll answer some common questions on the topic.
Will Medicare Help Cover Cystic Fibrosis Care?
Some patients need blood transfusions and surgery to help treat Cystic Fibrosis. When necessary, Medicare will also cover a lung transplant for Cystic Fibrosis patients. Further, Part A will cover hospice and home health care, should you need it.
Now, Part B will cover any doctor visits, screenings, equipment, and procedures. If you need physical therapy like pulmonary rehabilitation, Part B covers it. These treatments can be done in the doctor’s office.
You may be wondering about the costs of doctor visits and therapy sessions. You’ll pay 20% of the costs. Also, you may need to meet deductibles or pay extra charges.
Does Medigap Cover Cystic Fibrosis?
A Medigap plan can help ease the stress of coming up with extra money for your treatments. Once you enroll in Medicare, you can choose to buy a Medigap plan.
Medigap can cover your portion of the medical bills. But, Cystic Fibrosis may disqualify you from a Supplement plan. So, if you think a Medigap plan sounds right for you, you’ll want to enroll while you’re eligible for the Medicare Supplement Open Enrollment Period.
Will Medicare Advantage Cover Cystic Fibrosis?
Medicare Advantage plans will help you receive the Cystic Fibrosis care you need. Also, Advantage plans cover, at the very least, everything that Medicare covers.
Medicare Advantage plans will cover your Fibrosis screenings, treatments, medications, and even surgery. You’ll need to buy your Advantage policy through a private insurance company.
One thing to note is to pay attention to your network. Advantage policies have health networks of specific providers and facilities you can use. If you end up going to an out-of-network doctor, you could end up with high medical fees.
Best Medicare Drug Plan for Adults with Cystic Fibrosis?
Anyone living with Cystic Fibrosis knows firsthand the high cost. Also, costs for Cystic Fibrosis medications can exceed thousands of dollars.
If you’re on a fixed monthly income, facing thousands in medication costs may not be feasible. Part D drug plans help in situations like this.
You can buy a standalone drug plan, or an Advantage plan with Part D. Part D will usually cover the Cystic Fibrosis medications your doctor prescribes. Although, it’s best to verify the plan covers your medications before you enroll. The best plan for you is the one that covers your drugs and brings you the most value.
Does Cystic Fibrosis Qualify for Medicare?
Any disability can give you access to Medicare before age 65. But, you need to receive at least 24 months of Social Security Disability Insurance before you’re Medicare-eligible.
Although, if you have Cystic Fibrosis and End-Stage Renal Disease, you may be Medicare-eligible sooner, especially if you need a kidney transplant or dialysis. If you’re unsure about your eligibility, you can always contact the Social Security office near you.
How to Get Medicare Coverage for Cystic Fibrosis
Medicare covers treatment for many of those who live with Cystic Fibrosis. While Cystic Fibrosis is rare, there are more than 30,000 people throughout the U.S. who live with the disease.
Medicare can be so confusing for so many people. Shopping for health coverage that includes drug, medical, and hospital coverage is essential. Especially for those with Cystic Fibrosis.
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