Medicare is a federal health insurance program for people over 65, certain people with disabilities, and people with end-stage renal disease. There are four parts to Medicare: Part A covers inpatient hospital stays, Part B covers doctor’s fees, medical supplies, and outpatient care, Part C covers Medicare Advantage plans offered by private companies, and Part D covers other treatment methods. Here are the most frequently asked questions about Medicare and its coverage:

How do I sign up for Medicare?
You are automatically enrolled in the Original Medicare program (Part A and Part B) if you receive social security benefits. The details are communicated to you via email a few months before you become eligible. While you can avail yourself of Part A free of charge, enrolling in Part B requires you to pay a premium. For this reason, enrolling in Part B is voluntary and may be turned down at your discretion.

How much is the monthly premium for Medicare Part B?
The premiums for Medicare Part B depend on your income and are adjusted annually. As of 2023, the premium is approximately $164.90 monthly or higher, based on your earnings. The details regarding the exact premium to be paid are mailed to your home address by the Social Security team.

Are my dental expenses covered by Medicare?
Medicare does not cover routine dental visits, tooth cleanings, fillings, or most extractions. That said, the Medicare Advantage plan might offer some coverage for some types of dental X-rays and cleaning services. Confirm details with your Medicare Advantage insurance provider.

What is the difference between Original Medicare and Medicare Advantage plans?
While Original Medicare (Parts A and B) is a part of the federal program, Medicare Advantage (or Part C) is offered by private companies working with the federal Medicare team. There are several differences between these programs. First, under Original Medicare, you can visit any healthcare provider that accepts Medicare. Under Medicare Advantage plans, however, you are limited to visiting only in-network providers.

Medicare Advantage plans can also provide additional benefits not included under Original Medicare, such as vision, dental, and hearing.

Does Medicare cover treatment for diabetes and an overactive bladder?
Part B of Medicare covers some services that may affect people at risk for or with diabetes. This includes screening programs, a health behavior change program, self-management training services, home blood sugar monitors, and supplies such as test strips, lancet devices, and lancets. It also covers flu and pneumococcal shots, foot exams, and glaucoma screenings. Part D of Medicare covers all supplies required for the management of diabetes, such as swabs, gauze, syringes, and insulin.

Original Medicare does not cover prescription treatment for urinary incontinence (or an overactive bladder). However, you can purchase Medicare Plan D to help you pay for these treatments if you have Original Medicare.