People With Medicare

Medicare Question of the Month

Each month, our expert showcases a Medicare question submitted by one of our readers. You may submit a question at any time and get a personal response.

September 2012 Question:

Question:
I need to see my doctor for a specific test. How can I find out if Medicare will cover it or not?

Answer:
Medicare has very strict rules about what it covers, and does not cover. That said, there are many places where you can find general information about your Medicare benefits. Here are some ways to find out:

• Check out the Medicare & You handbook: This handbook is mailed to people with Medicare every year, usually in September. It gives you a broad overview of what Medicare covers and provides. You can also find this handbook online at Medicare's website.
  
  
• Use Medicare's online coverage search tool:
• Go to Medicare's homepage
• Enter the test, service, or item you wish to search
• Select your state
• From this list you will see if Medicare covers it, and how much they will cover

• If you have Original Medicare (Medicare Parts A and/or B), call Medicare at 1-800-633-4227.
  
  
• If you get your Medicare through a private Medicare Advantage health plan such as an HMO or a PPO, call your Medicare plan directly.
  
  
• You may also wish to speak with your doctor; many doctors have experience billing Medicare and will know what will be covered.
  

If you still have questions, you can get personal help in your area. This service is free and objective, and specializes in helping people with Medicare understand their coverage and options. They can also help guide you through any of these steps above.

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