When accidents happen and you or a loved one needs emergency medical care, it’s essential to understand how your Medicare coverage works with emergency room and urgent care visits.
Contact the agents at We Make Medicare Easy! in Baton Rouge, Louisiana, for a one-on-one consultation to learn more about how your Original Medicare or Medicare Advantage coverage may help pay medical bills associated with emergency care.
Does Medicare Provide Accident Insurance?
Original Medicare includes Part A and Part B coverage, which may help pay for the costs of your medical care after an accident or medical emergency.
· Part A helps cover home health care, inpatient hospital stays and some skilled nursing facility care.
· Part B helps cover outpatient services, lab tests, X-rays, doctor visits and preventative screenings.
Original Medicare Part B coverage kicks in when the insured person visits an emergency room to receive medical care after an accident. If it’s necessary to go to the emergency room in an ambulance, Part B typically covers transportation to the nearest facility that can treat your injuries.
If doctors determine that you need diagnostic tests or X-rays to help them evaluate your injuries, Part B also helps cover those costs as well as the costs of outpatient surgery.
There are many factors that potentially influence what medical services and procedures are covered. Your agent can help you understand how which services may be covered under your specific plan.
Does Medicare Cover Urgent Care Visits After An Accident?
Not every accident causes severe enough injuries to warrant a visit to the emergency room. Many people visit an urgent care clinic to receive treatment for non-life-threatening injuries.
Medicare may cover urgent care visits, depending on what type of coverage you have. With Original Medicare, the patient pays 20% of the Medicare-approved cost of an urgent care visit after meeting their deductible. Out-of-network urgent care visits may cost more.
Does Medicare Cover Hospitalization After An Accident?
If the doctors treating your injuries after an accident determine that you need to remain in the hospital as an inpatient, Original Medicare Part A kicks in to help cover the costs of your stay. It also helps cover inpatient surgery.
Does Medicare Cover Costs of Treatment After An Accident or Medical Emergency?
After you are treated in an emergency room, Original Medicare Part B coverage also helps pay for the following:
· Follow-up doctors appointments during your recovery
· Outpatient physical therapy to help with recovery from accident-related injuries
· Durable medical equipment (DME), including braces or crutches
Get the Medicare Coverage You Need
When it’s time to customize your healthcare plan, choosing Original Medicare, Medicare Supplement plans or Medigap coverage can seem confusing. The Medicare experts at We Make Medicare Easy! are ready to help you get healthcare coverage that meets your needs. Contact us today to learn more about your options and get a quote.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.