Medicare coverage is available for stroke victims. With a stroke comes plenty of side effects.
There is coverage for inpatient and outpatient care. Further, Medicare can cover rehab services to help you regain normalcy in life.
Below we go over the Medicare coverage details stroke victims need to know.
Medicare Coverage for Stroke Victims
Medicare offers coverage for stroke victims in a hospital or rehab center. Also, Medicare covers any durable medical equipment you may need to use because of your stroke.
A Medigap policy or a Medicare Advantage plan could reduce medical costs. Further, a Part D policy can help with the cost of medications you may need.
Let’s examine Medicare’s coverage first and then take a look at how supplemental insurance is beneficial.
Medicare Inpatient Rehabilitation Coverage
Costs for Part A are high if you don’t have supplemental insurance. There are deductibles, coinsurances, and limits to the number of days you can spend in the hospital when Medicare is your only insurance.
There are plenty of Medigap plans that cover Part A deductibles and coinsurances.
Skilled Nursing Facility for Stroke Patients
Medicare will cover Skilled Nursing Care that you might need following your stroke. To qualify, you’ll need to meet Skilled Nursing Facility requirements just like any other patient.
Costs for SNF care are the same for stroke victims as anyone else in need of those services.
Fact: 8 out of 10 Medicare Supplement plans will cover the skilled nursing coinsurance.
Long-Term Care Facilities for Stroke Patients
Your doctor may decide that you need long term care following your stroke if your health takes a turn for the worse. Medicare won’t cover Long-Term Care if it’s the only kind of care you need.
So, what exactly does this mean for you? Well, it means that if you don’t have Long-Term Care insurance, you’ll pay 100% of the cost.
Medicare won’t usually cover this service because care consists of bathing, feeding, and using the restroom. None of these are medical care services.
Medicare and Durable Medical Equipment for Stroke Survivors
Your doctor can prescribe your medical equipment, and Part B costs will apply. Be ready to have a bill for the deductibles and coinsurances.
Keep in mind, those with a Medicare Advantage plan will have a different fee schedule for medical bills. Since the Advantage plan pays the claims and makes the rules, you’ll need to contact your plan to inquire about costs.
But, those with Medigap may have lower costs on Durable Medical Equipment since some policies cover the Part B coinsurance.
Walkers for Stroke Victims
As with other pieces of medical equipment, Part B will cover necessary walkers. Your walker will need a prescription from your doctor.
The most popular kinds of walkers following a stroke are 2-wheel and 4-wheel walkers, Medicare will cover a portion of the cost for either.
Medicare Advantage Coverage for Stroke
The thing about Medicare Advantage, Part C plans, is each policy is different. And, for the most part, they change benefits per county.
Unlike a Medigap plan where coverage is the same no matter where you are, there are rules and restrictions with Part C.
For those that don’t qualify for Medigap, there are Medicare Advantage Chronic Care Special Needs Plans specifically for Stoke survivors. If one of these plans are available in your area, this could be an option to consider.
Before choosing to enroll in a Medicare Advantage plan, there are a few things to consider; are your doctors, hospitals, and specialists in-network? Does the policy cover your pharmacy and drugs? And, just how much will a catastrophic event cost?
While some coverage is better than none, if you can fit Medigap into your budget, it’s highly recommended.
Medigap Plans Can Help Cover a Stroke
Let’s take a peek into the future; you have Medicare Supplement Plan G when you experience a stroke. First, the ambulance ride to the hospital will only cost you the Part B deductible.
Then, the care that Medicare approves won’t cost you anything. Plan G will cover everything except the Part B deductible.
You must make your Medigap premium payments, to avoid a lapse in coverage consider an automatic payment set up with electronic funds transfer. Then, if you’re stuck in the hospital, you won’t have to worry about missing a payment.
In the future, you’ll be happy you have Medigap, a plan that allows you to focus on getting healthy instead of the burdens of medical debt.
Medicare Coverage for Stroke Medications
You can buy Part D or a Medicare Advantage policy to help you with drug costs. Before enrolling in a plan, it’s your responsibility to ensure your medications on the plan formulary.
Medicare Help for Stokes FAQ’s
Get The Policy You Need
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