It is no secret that quality healthcare has become very expensive and out of reach for many people with limited means. Fortunately, the federal government runs affordable medical programs for the most vulnerable. Medicare is available to individuals aged 65 or older, people with certain disabilities, and spouses. There are other special groups, such as those eligible for benefits through the Department of Veterans Affairs (DVA), members of the Armed Forces and their families, Native Americans, and refugees or asylum seekers. What medical benefits can you get from Medicare?

 1. Medicare Inpatient and Outpatient Services

Medicare Part A covers inpatient hospital care, including care in a skilled nursing facility. This is a significant benefit for those with long-term diseases or disabilities. This program also covers a wide range of specialties for long-term care, and prescription drugs. It is also a primary benefit for people who can afford Medicare premiums but cannot afford a traditional hospital or doctors' visit. 

Medicare Part B coverage includes doctor's visits, outpatient hospital care, lab tests, preventative care, and other services. You pay an affordable monthly premium for this coverage and coinsurance for most services.

Medicare Part C is also known as Medicare Advantage. It allows access to your Medicare benefits through a private insurance company. There are thousands of Advantage plans available. 

2. The Medicare Preventative 

In recognition of the vulnerability of seniors to different ailments, this coverage includes free preventative screenings, tests, and advice, including:

  • Lab tests and screenings

  • Cancer screenings like mammograms and prostate exams

  • Diabetes tests and self-management advice 

  • Bone mass tests

  • Health monitoring and education

  • Nutrition advice 

  • Vaccines 

3. Medicare Ambulance Services 

Medicare beneficiaries can take advantage of free ambulance services. Aside from ‌free transport to a hospital, Medicare covers up to 100 miles per trip. This benefit is also available for people under hospice care or blind. This coverage is included under Medicare B coverage for transport to the nearest health facility. 

4. Medicare Specialty Services 

Some benefits of Medicare Specialty Services include inpatient psychiatric care and organ transplant services, including kidney transplantation. This coverage is included under Medicare A. It also takes care of non-custodial services that do not require 24-hour observation, including:

  • Physical therapy

  • Speech therapy

  • Occupational therapy

  • Part-time nursing and health aides 

  • Medical social visits

Are you worried about high medical bills? Talk to your health insurance advisor about signing up for Medicare services for more affordable healthcare services.