Medically necessary refers to health services or supplies that you need for treatment. You may feel that your condition warrants specific care, but your insurance may disagree.
Below we’ll discuss what qualifies as necessary and what doesn’t meet the requirement.
Medicare Definition of Medically Necessary
During your Medicare journey, you may come across the term “medically necessary.” What exactly does “necessary” mean by Medicare’s standards? Aren’t all health care services “necessary”?
The official definition of medically necessary is health care required to treat or diagnose.
Criteria Used to Determine Medical Necessity
Your insurance may have rules to gauge whether a service is necessary. The company can give you details about services. Also, services that have coverage are generally available online.
A vital thing to look for is the limits on how often you can obtain treatment. Further, insurance may place caps on the number of times they completely cover scans or x-rays.
While insurance may cover the first set of x-rays, they may not pay for the second. So, the term “covered” is a loose term. Other cases may provide full coverage and full reimbursement.
Alternative treatment options may be available. Also, your doctor can offer alternatives to see if you might get full coverage.
Speak with your doctor first to come up with a plan. Make sure you verify if your policy requires the use of in-network doctors. You may not have coverage out of the network, or you may have high costs.
Defining “Medically Necessary”
Medical necessity is the procedure, test, or service that a doctor requires following a diagnosis. Anything “necessary” means Medicare will pay to treat an injury or illness.
But, most procedures and medical equipment are necessary. You may run into a service or supply that needs approval from your doctor.
Here are some examples of necessary services:
- Hospice care
- Preventive care
- Hospital care
- Health screenings
- Durable medical equipment
- Ambulance services
- Physician visits
Non-Necessary Medical Services and Devices
Medicare won’t cover all medical devices and services. Some specific services and supplies aren’t necessary.
Most times, these services include:
- Routine eye exams
- Cosmetic surgeries
- Hearing aids
- Long Term Care
- Seat lift mechanisms
- Dental exams, extractions, cleaning, fillings, dentures
- OTC medications
- Unwarranted therapies
- Fertility Treatments
- Weight loss medications
- Erectile dysfunction prescriptions
- Excessive hospital stays
There may be instances Medicare covers services it wouldn’t cover if already covering a relatable procedure.
What is Medically Necessary under a Medicare Advantage Plan
Advantage plans can cover services that aren’t necessary, such as dental, vision, or hearing. But, an Advantage plan can determine a service isn’t essential or chose not to pay a claim that is out of network.
As long as you stay in-network, the Advantage plan must follow CMS Guidelines. Further, the policy must provide extra benefits.
Many Advantage plans cover things like OTC medications and supplies. Some Advantage plans will even cover long-term care and at-home services.
The things that are “necessary” are dependant on the plan you select.
Tip: Talk with an agent about your different plan options. Understanding the benefits can help you make the best decision.
Finding Out about Coverage
You may want a document that advises you which services have coverage. But, if you’re wanting to find out your exact coverage, you can ask for an Advance Coverage decision.
If your doctor thinks that Medicare won’t cover, the doctor can provide an “Advance Beneficiary Notice of Noncoverage.”
This notice states what Medicare won’t cover and explains noncoverage. Also, this provides you with an estimate for costs.
Appealing a Decision
If your claim is denied, you have the right to appeal the decision. Depending on your coverage, the appeal will differ.
Those with an advantage plan need to contact the company to understand their appeal process.
If you have questions about Medicare, reach out to Social Security or your doctor.
Medicare and Medically Necessary FAQ’s
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Medigap policies must follow all state and federal rules. Further, if Medicare approves a service, the Medigap company must also agree.
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