Livingston Reporting - page 76

As new COVID-19 vaccines are approved in the United States, health departments in all 50 states received their first round of vaccines. Frontline healthcare workers and residents of long-term care facilities were the first ones to receive doses.

Medicare will cover the coronavirus vaccine, thanks to the CARES Act, which was passed by Congress in March 2020. Medicare Part B is required by the CARES Act to 100 percent cover FDA-Approved COVID-19 vaccines. This means if you are a Medicare beneficiary, you will have no out-of-pocket costs for the COVID-19 vaccine.

The COVID-19 vaccine was developed with $10 billion in funding from the federal government. Under the CARES Act, the vaccine is free to all. The Medicare Trust Fund covers 100 percent of the vaccine’s cost for those Medicare and/or Medicaid beneficiaries. Private insurers are required to offer the vaccine for free to plan members. No money is allowed to be collected from vaccine patients by providers who administer the vaccine. Even if the insurance company (or Medicare) doesn’t reimburse the provider, they still are banned from billing the patient for the balance.

Those without insurance can get the vaccine for free under the CARES Act. Providers who administer the vaccine to people who do not have health insurance can submit a reimbursement request.

If you get the COVID-19 vaccine and receive a bill, it might have been for other services not related to the shot. If your only reason for an office/doctor visit is due to COVID-19, you should not receive a bill. If you received other services in the same visit, your regular Medicare cost-sharing would apply.

Currently, the CARES Act specifies only two Federal Drug Administration (FDA)-approved vaccines for COVID-19: the Pfizer/BioNTech vaccine and the Moderna vaccine. Several other vaccines are in development and testing stages; if they are approved for use by the FDA, Medicare will cover those also. Both approved vaccines require two doses (or shots) for complete immunity. Depending on the shot you obtained, you should receive a second dose three or four weeks later.

The chances of getting COVID-19 from the vaccine are impossible. Most vaccines introduce a live virus into the body to provoke an immune response. The Pfizer/BioNTech and Moderna vaccines do not include any actual coronavirus. Instead, they use messenger RNA (mRNA) technology. This process provides genetic coded cells needed to produce proteins that stimulate the immune system. It is a novel implication in vaccines; however, this has been used in cancer immunotherapy for years and is rigorously tested.

For more information about the COVID-19 vaccine related to Medicare, contact the experts at Senior Health Medicare today.

Senior Health Medicare is a superior resource for Medicare guidance, information, and ongoing client support. Selecting a Medicare plan is not a flippant decision. It requires annual revisiting and re-evaluating in order for the client to stay in the most cost-effective coverage. Senior Health Medicare is here to serve as your resource through all the years to come. Contact us today at 888-404-5049 or visit us on the web at www.seniorhealthmedicare.com.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

If eyeglasses or other corrective lenses are deemed “medically necessary” (after cataract surgery, for example), they might be covered by Medicare. Otherwise, Parts A and B of Original Medicare will not assist with prescription sunglasses, contact lenses, or eyeglass costs.

Medicare Advantage Plan (Part C) might offer eyeglass, contact, and prescription sunglass vision coverage. Vision benefits such as routine eye exams might also be covered. Each plan is different, so make sure to talk to your provider regarding eye health items offered within your plan and how they are covered.

Medicare Part B will help pay for corrective lenses following cataract (implanting an intraocular lens) surgery. One pair of standard-frame eyeglasses or a single set of contact lenses, along with 20 percent of the Medicare-approved amount for the lenses after each surgery, will be covered. In these cases, the Part B deductible will apply, and you will also pay 20 percent of the Medicare-approved amount. Any additional costs for upgraded frames will also be your responsibility.

Talk to your healthcare provider to determine the price of your item, service, or test. The exact amount you will owe depends on factors such as other insurance you have, how much your doctor charges, whether your doctor accepts assignment, the type of facility, and the location of your test, item, or service.

Oftentimes, your doctor or medical provider might recommend you receive services more often than what Medicare covers. They might also suggest services that Medicare doesn’t cover. In this case, you might have to pay some (or all) of the expenses. To understand why your doctor recommends certain services and whether Medicare will pay for them, ask questions and gather information.

Contact lens and glasses coverage is limited outside of a Medicare Advantage plan. Make sure you consider your eye health needs when you select the Medicare coverage for you.

For more information, refer to the full article on Medicare.gov.

Senior Health Medicare is a superior resource for Medicare guidance, information, and ongoing client support. Selecting a Medicare plan is not a flippant decision. It requires annual revisiting and re-evaluating in order for the client to stay in the most cost-effective coverage. Senior Health Medicare is here to serve as your resource through all the years to come. Contact us today at 888-404-5049 or visit us on the web at www.seniorhealthmedicare.com.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.