The short answer: In an emergency, yes — Part B covers ground ambulance transport to the nearest appropriate facility when any other ride would endanger your health, and air ambulance when distance or condition demands it. You pay the standard Part B share: deductible, then 20% — a number that matters, because ambulance bills are…Read More
The short answer: Yes — the recommended adult vaccines are covered at no cost, but they arrive through two different doors. Flu, pneumonia, COVID-19, and hepatitis B shots come through Part B at the doctor’s office or pharmacy. The shingles vaccine comes through Part D, your drug plan, and since 2023 it costs nothing there.…Read More
The short answer: Yes — screening colonoscopies are covered at no cost to you when the provider accepts assignment: no deductible, no coinsurance. High-risk patients qualify every 24 months; everyone else on the standard long interval. The famous wrinkle: if a polyp is found and removed mid-procedure, the screening becomes partly diagnostic and modest cost-sharing…Read More
The short answer: Yes — and better than most people assume. Part B covers psychotherapy, psychiatrist visits, and counseling from clinical psychologists, social workers, and licensed counselors, plus an annual depression screening at no cost. Behavioral telehealth from your own home is a permanent benefit, which matters enormously outside the metro. You pay Part B’s…Read More
The short answer: Yes — when two conditions are met. A doctor must certify that you are homebound and that you need intermittent skilled care: nursing, physical therapy, occupational or speech therapy. Meet those, and Medicare covers the visits through an approved home health agency with no cost-sharing on the care itself. What it does…Read More
The short answer: Partly — and the part is narrow. Part B covers manual manipulation of the spine to correct a subluxation, when it is medically necessary. That is the whole benefit. X-rays ordered by a chiropractor, massage therapy, electrical stimulation, supplements, and maintenance adjustments to “stay aligned” are not covered. Knowing exactly where the…Read More
The short answer: Yes — Original Medicare covers physical therapy under Part B when a doctor or therapist certifies it is medically necessary, and there is no longer any hard annual cap on how much therapy you can receive. Above a yearly threshold, your therapist simply documents that continued care is necessary — a paperwork…Read More
The short answer: Yes — cataract surgery is one of the things Medicare does well. Part B covers the procedure, the standard intraocular lens implant, and — unusually for Medicare — one pair of corrective glasses or contacts afterward. What it does not cover: premium lens upgrades and elective laser add-ons, which are the choices…Read More
The short answer: No — Original Medicare does not cover hearing aids or the exams to fit them, and it never has. It does cover diagnostic hearing and balance exams when a doctor orders them to investigate a medical problem. Hearing aid coverage comes from elsewhere: some Medicare Advantage plans include allowances, standalone hearing plans…Read More
The short answer: Original Medicare draws a sharp line through eye care. Routine vision — the annual exam for a glasses prescription, the glasses themselves, contact lenses — is not covered. Medical eye care is: cataract surgery, glaucoma tests for people at higher risk, diabetic eye exams, and treatment for conditions like macular degeneration. Routine…Read More
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Way Maker Insurance Group is not connected with or endorsed by the United States government or the federal Medicare program.
