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Do Medicare Health Plans Cover Most Medical Expenses?

Many seniors are unaware that there is a kind of “grey area” when it comes to Medicare benefits: mental health treatments, medicines, etc.

Medicare Will Basic “Wear And Tear”

Medicare health plans do indeed cover most basic/fundamental health and medical needs for seniors. Mind you, seniors do require a bit more than most adults. For example, on top of the typical “wear and tear” that many of the aged experience into their 70s and 80s (having to do with joints, cardiovascular disease, etc.), there’s the decline in mental health as well. A growing portion of the fast-growing mental health predicament facing the American public is contributed to by the country’s seniors. This is where Medicare health plans may actually fall a bit short.

Federal Budgetary Constraints On Medicare

It’s safe to say that, on the whole, Medicare health plans are generally conservative with regards to what the various Medicare products will cover. Certainly, due to the fact that Medicare and Medicaid is such a growing liability to the Federal government’s ballooning 15 trillion dollar debt, nothing beyond what is deemed “medically necessary” will be covered for seniors. And to this end, many medical billing administrators that have a significant say in what does and doesn’t get covered under Medicare often argue that some (if not many) mental health treatments and medications are not as necessary and should not be prioritized.

Most “Physical Ailments” Are Covered

But again, as was mentioned, conventional “physical ailments”—perhaps 85% of the possible conditions that a senior will likely face—will be covered. Fees related to visiting a general geriatric physician or internist for sprains, chest pains, and obesity will be covered. Hip replacement procedures, surgeries, and implants will likely be covered as well. But in all cases, it’s advised that patients and beneficiaries read through their Medicare plan materials before engaging a medical professional for services.



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