Does Medicare cover Endoscopy?

In this FAQ Friday video, MedicareBob answers the question, “Does Medicare cover endoscopy?” Watch the video and discover Robert Bache’s endoscopy procedure and how his doctor treated an esophagus issue.

What is Endoscopy?

According to MayoClinic.org, a doctor performs endoscopy by inserting a tiny camera on the end of a long, flexible tube down your throat. The procedure allows your doctor to visually examine your esophagus, stomach, and beginning of your small intestine. Your doctor may recommend endoscopy procedure for the following reasons:

  • Investigate the cause of digestive issues such as nausea, vomiting, or difficulty swallowing.
  • Diagnose medical conditions, which may include collecting tissue samples (biopsy) to test for diseases.
  • Treat your digestive system, such as burning a bleeding vessel to stop bleeding, widening a narrow esophagus, or removing a foreign object.

In the video, Robert Bache’s digestive issue was difficulty swallowing. During Robert’s endoscopy, his doctor treated a narrow esophagus by putting a balloon down his throat to stretch it out.

Medicare Part B covers endoscopy

Original Medicare Part B covers 80% of endoscopy. So you pay the other 20%. However, a Medicare Supplement Plan will pay your 20% coinsurance cost. For example, Medicare Plan G pays 100% of Part B outpatient costs after you pay the annual $198 deductible in 2020. Call Senior Healthcare Direct at 1-855-368-4717 to shop your Medigap plan.

Does Medicare Cover Endoscopy

Medicare Part A hospital deductible

In this FAQ Friday Video, Robert Bache says when you go to the hospital, Medicare charges you Part A hospital deductible. This deductible was $1340 in 2018. In 2020, this deductible is now $1408. You must pay this deductible before Medicare begins to cover your hospital bills.

In this MedicareBob video, Robert Bache says, “every time you go to the hospital,” Medicare charges you the Part A deductible. However, Medicare only charges a hospital deductible every new benefit period. When does a benefit period end? And when does a new benefit period begin?

Medicare Hospital Deductible Benefit Period

Your Medicare benefit period begins the day a hospital admits you as an inpatient. The benefit period ends after 60 consecutive days of not receiving inpatient care. If you go to the hospital after your benefit period has ended, a new benefit period begins. You must pay the inpatient hospital deductible for each new benefit period.

Hospital Admits Betty

Betty is a senior and has trouble breathing. The hospital admits her as an inpatient, and she tests positive for COVID-19, which has compromised her lung function. Instead of forcing air down damage lungs with a ventilator, the doctor removed Betty’s blood and oxygenated it using an ECMO machine. This lung bypass machine saved Betty’s life. 

The hospital discharges Betty after six weeks of inpatient care. For the next 60 days, Betty stays home, and her Medicare hospital deductible benefit period ends. The next time a hospital admits Betty as an inpatient, she will need to pay the Part A deductible again. 

Medicare Part A hospital deductible
Medicare Part A hospital deductible

What is Medicare Part A hospital deductible?

Every new benefit period a hospital admits you to a hospital, you must pay the hospital deductible $1408 in 2020 before Medicare pays anything. For example, George tests positive for COVID-19, and a hospital admits him as an inpatient. He pays the $1408 deductible. After a few days on a ventilator, the hospital discharges him, and George goes home. 

The following days, George has trouble The following days, George has trouble breathing and returns to the hospital. He becomes a hospital inpatient again. However, he does not pay another hospital deductible.

Medigap Plans pay your hospital deductibles

All Medigap plans pay your hospital deductibles. Moreover, Medigap Plans also pay your 20% coinsurance costs. With a Medigap Plan, you have no hospital deductible or coinsurance costs. Call Senior Healthcare Direct at 855-468-4717 to shop and save on your Medicare Supplement Plan. Compare Medigap Plans with our side-by-side comparison chart.

Medicare Part A hospital deductible
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Independent Medicare Insurance Broker

Independent Medicare Insurance Broker

Senior Healthcare Direct is an independent Medicare insurance broker. The owner, Robert Bache, and his licensed agents can help you choose the right Medicare Plan for your needs. We can help you shop and compare Medicare Advantage, Medicare Supplement, and Part D plans.

As an independent Medicare insurance broker, we represent all the top Medicare Supplement, Medicare Advantage, and Part D carriers. Thus, you can purchase the most cost-effective plan by calling 1-855-368-4717 or get your quote. With just one phone call, you get access to all insurance providers in your area. Why call a Medicare broker?

Changing Your Medicare Plan

When you work with a Medicare broker, it is easier for you to change your Medicare Plan. For instance, our licensed agents can get your Medicare application approved even if you have certain health conditions. Based on your answers to medical underwriting questions, our agents can recommend Medicare providers who can accept your health conditions. 

When to Shop Your Medicare Plan

In the video, Robert Bach announces the 2019 Medicare Open Enrollment period from October 1 to December 7. However, the correct start date is October 15. You can shop and compare all Medicare Plans from October 15 through December 7. 

Instead of calling around 15 to 30 different companies to make sure you get the best value, our licensed agents will help you with a Medigap, Medicare Advantage, or Part D drug plan.

Robert Bache, owner of Senior Healthcare Direct

Switching Your Medicare Advantage Plan

You can switch your Medicare Advantage Plan during the Annual Election Period (AEP) October 15 through December 7. For example, you can switch from one Advantage Plan to a different Advantage Plan. Moreover, you drop Medicare Advantage and enroll in Medicare Supplement Plan. Other than AEP, you have one other Advantage Plan enrollment period.

Independent Medicare Insurance Broker

Robert Bache, Senior Healthcare Direct owner, provides six principles to do business with our Medicare insurance company. Our dedicated team of Medicare professionals includes licensed agents, customer support, digital marketing, and management. Moreover, we have thousands of satisfied clients and hundreds of reviews nationwide. We can help you shop and save on your Medicare Plan. Call Senior Healthcare Direct at 1-855-368-4717

Medicare Coverage Options

In this FAQ video, Robert Bache explains your Medicare coverage options. Watch the video and discover the two Medicare options you can choose during your annual open enrollment.

Medicare Open Enrollment

Medicare Open Enrollment also called the Annual Election Period, occurs from October 15 through December 7. According to CMS, this is a period when “all people with Medicare can change their Medicare health plans and prescription drug coverage for the following year.” Why change your Medicare plan?

3 Reasons to Change your Medicare Plan

Medicare Coverage Options

You may want to change your Medicare plan for the following reasons:

  1. The Medicare Plan is changing – coverage, costs, or service.
  2. You have health issues and want better coverage.
  3. You want a better plan now because you can medically qualify for it.

Do you know you must pass medical underwriting whenever you want to switch your Medicare Plan? Furthermore, a Medicare Advantage or Supplement insurance company can deny coverage change. So if you want to upgrade from a Medicare Advantage Plan to a Supplement Plan, you may not medically qualify. 

When to change your Medicare Plan?

The best time to change your Medicare plan is when you are healthy enough to pass medical underwriting. Even if you do not need better coverage now, it makes sense to upgrade your Medicare Plan early, so insurance carriers will not deny you later. When can I change my Medicare Advantage plan?

When can I switch from Medicare Advantage to Medigap?

You can switch from Medicare Advantage to Medicare Supplement Plan two times per year. During the Annual Election Period, you can change to a different Medicare Advantage Plan or switch from Medicare Advantage to Medigap Plan. Discover the other Medicare Advantage enrollment period.

When can I switch my Medicare Supplement Plan?

You can switch to a different supplement insurance company to save money during Medicare Open Enrollment. Furthermore, you can switch to a different lettered supplement plan during the same Annual Election Period. Discover another time when you can buy a Medicare Supplement Plan.

Your Medicare Coverage Options 

The licensed agents at Senior Healthcare Direct are happy to help you choose the Medicare Plan that best suits your needs. Our agents can compare plan prices with many carriers, so you get the best price. Moreover, our agents can suggest insurance providers who accept your health conditions, so your application gets approved. Call us at 1-855-368-4717 or get your quote

Switching Medicare Plans

In this FAQ Friday video, find out when you have to medically qualify to switch Medicare Plans. Watch the video and discover when you need to answer medical questions and how the Medicare underwriting process works. 

In the video, MedicareBob says you will need to medically qualify under the following circumstances:

  • Switching from Medicare Advantage to Medicare Supplement
  • Switching from Medigap Plan to different Medigap Plan
Switching Medicare Plans

Furthermore, MedicareBob says, “if you are not medically eligible to upgrade, you will not be able to.” In other words, to switch Medicare plans, you need to pass medical underwriting. Furthermore, he says, “if you do not get a supplement when you first turn 65, you will have to medically qualify later in life to get one.” MedicareBob says carriers have “a set of about twenty different health questions.” Discover some of the most common underwriting questions.

When medical underwriting is not required

You have a Guaranteed Issue Right to all Medicare Plans when you first turn 65. During your initial Open Enrollment Period, all Medicare carriers must provide coverage regardless of your health condition. Moreover, insurance providers can not charge you more because of your health issues.

Switching Medicare Plans

If you have Original Medicare or a Medigap Plan and want to switch carriers and save money, you can change your plan anytime. However, if you have a Medicare Advantage Plan, you have two Medigap enrollment periods. Senior Healthcare Direct can help you shop and save on your Medigap Plan. Find out if you medically qualify by calling 1-855-368-4717 or get your quote.

Does Medicare Cover Diabetic Supplies?

Medicare Diabetic Supplies

In this FAQ Friday video, Robert Bache answers the question, “Does Medicare Part D cover diabetic supplies?” Watch this video to discover which part of Medicare covers diabetic supplies. 

In the video, Robert Bache says, “Medicare does cover diabetic supplies.” Medicare Part B covers your testing strips and other diabetic supplies (except needles, which Part D covers). Thus, Robert advises you to bring your Medicare Card – the red, white, and blue card – to the pharmacy for diabetic supplies. Furthermore, Robert suggests you bring your Medicare Supplement card, as well. 

Diabetic supplies covered by Medicare

Does Medicare Cover Diabetic Supplies

Original Medicare Part B will pay 80% of the cost of diabetic supplies. You pay 20% of the Medicare-approved amount and the Part B deductible of $198 in 2020. Medicare covers the following diabetic supplies:

  • Blood sugar monitors
  • Blood sugar test strips
  • Glucose control solutions
  • Infusion pumps

Furthermore, your Medicare Supplement Plan will pay the remaining 20% of diabetic supplies. For example, Medigap Plan F, G, or N will cover the 20% that Original Medicare does not pay. 

When can I enroll in Medicare Supplement Plan?

Do you have Original Medicare Part A and Part B? Then you can enroll in a Medicare Supplement Plan anytime by calling Senior Healthcare Direct at 1-855-368-4717 or get your quote. If you have a Medicare Advantage Plan, you have two Medigap enrollment periods

Part D Diabetes Supplies

Part D Diabetes Supplies

This official CMS Diabetes booklet states Part D covers diabetes supplies used for injecting or inhaling insulin. To enroll in Part D prescription drug plan, you must have Part A or Part B. Medicare Advantage Plans have drug plans, so you do not need Part D.

Part D covers medical supplies to administer insulin, which includes:

  • Syringes
  • Needles
  • Alcohol swabs
  • Gauze
  • Inhaled insulin devices

Furthermore, Part D covers insulin, except when administered with an insulin pump. In 2021, seniors with Part D will get a copay cap on insulin. You will be able to access various insulin types at no more than a copay of $35 for a month’s supply. Find out when you can shop for lower Part D premiums and how much you can save on your insulin out-of-pocket costs.

If you have Original Medicare, Senior Healthcare Direct can help you shop your Medicare Part D plan. Call us at 1-855-368-4717 or get your quote.

Medicare Plan G Coverage

Robert Bache answers an important Medicare Plan G coverage question in the following Medigap Monday video, “What will I pay when I go into the hospital?” Watch the video to find out what Plan G covers.

In the video, Robert Bache says Medigap Plan G will pay your Part A hospital deductible of about $1400 “every single time.” Why does Robert say, “every single time?” Because you pay the Part A deductible for each hospital benefit period.

Hospital Benefit Periods and Part A Deductible

Medicare Plan G Coverage
Judy’s Medigap Plan G pays $2,816 in Part A deductibles over two hospital benefit periods.

According to Medicare.gov, your hospital benefit period begins the day the hospital admits you. Subsequently, your benefit period ends when you have not gotten inpatient care for 60 days in a row.

For example, the hospital admits Betty, and she pays $1408 Part A deductible on April 1, 2020. Then thirteen days later, the hospital discharges her. Two months later (60 days) June 15, 2020, the hospital admits Betty, and she pays another $1408 Part A deductible. However, Betty’s friend Judy has Medicare Supplement Plan G, and it pays this Part A deductible every benefit period. Since Judy uses two hospital benefit periods this year, her Medigap Plan G pays $2,816 in Part A deductibles.

Medicare Plan G Coverage Benefits

Furthermore, in the Medigap Monday video, Robert Bache says, “if you’re admitted into the hospital normally, Medicare has a copay starting day 61 that increases starting day 91.” In other words, Original Medicare only covers the first 60 days of inpatient care in a hospital. However, Medicare Supplement plans such as Plan G cover this coinsurance costs. Judy’s Medigap Plan G pays $352 coinsurance per day from days 61 to 90. Discover all the benefits of Plan G and how it compares to Plan F.

Get your Medicare Plan G quote, call Senior Healthcare Direct 1-855-368-4717 or get your quote.

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