Does Medicare Cover Costs For Arthritis?
Arthritis
This disease is the swelling or tenderness of the joints inside your body. There are 23% of adults in America that suffer from this disease.The most commonly diagnosed types of arthritis are Osteoarthritis and Rheumatoid Arthritis.
Osteoarthritis: This type is when your cartilage wears thin in between your joints, causing bone-on-bone contact. Without cartilage, it causes your body to experience swelling, stiffness and moderate to severe pain.
- Does Original Medicare Cover Treatment for Osteoarthritis? Yes, Medicare Part B will assist only if your doctor recommends medical treatment for Osteoarthritis.
Rheumatoid Arthritis: This type of arthritis is an autoimmune disease that causes inflammation, meaning that the body is mistaking your own healthy cells as bad ones (ex: bacteria).
- Does Original Medicare Cover Treatment for RA? Medicare Part A & B of Medicare may cover this if you have two or more chronic conditions that your doctor determines will last at the minimum of a year. It is important to look at a Medicare Supplement and Prescription Drug Plan to keep these potential high costs down.
Will Medicare Part D Cover Medications?
For most of the Rheumatoid Arthritis medications, Part D will cover the costs. You are liable for any copays, coinsurance or plan deductibles. If you are in a clinical setting, your drugs will be covered by Part B. If you get this medication in the doctor’s office, it covers 80% after you have met your Part B deductible.
There is an annual limit on how much coverage a drug plan will offer. For those with this disorder, you might be prescribed an excessive amount of medications. Once you have met this limit, the costs will increase until you hit catastrophic coverage. For 2020, once $6,350 has been spent, you are out of the coverage gap. This means that you are only required to pay a small copayment for coverage drugs for the remainder of the year.
What Are Types of Arthritis Treatments Available?Your doctor might recommend therapy, surgery, medications, equipment such as a walker or a cane.
Does Medicare Cover Joint Replacement Procedures?
Yes, if your doctor says this treatment is medically necessary, Medicare Part A will cover your hospital care and inpatient rehabilitation services post-operation.
Why Do You Need A Medicare Supplement?
These plans are going to pick up that remaining 20% that you are left with. Depending on your situation, you might want a plan that saves based on per-visit costs if you expect various monthly appointments.
How Can MWG Senior Services Help?
If you would like to talk with someone about how a Medicare Supplement plan can cover costs for Arthritis treatment, be sure to call MWG Senior Services at (877) 759-5760 or email seniorservices@morganwhite.com. Our team of advisors are ready to answer any questions you might have.