Medicare does not cover long-term custodial care in a nursing home, but it does cover short-term skilled nursing care after a qualifying hospital stay. For long-term care coverage, consider Medicaid or long-term care insurance. For personalized guidance, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

Medicare covers home health services like skilled nursing and physical therapy if they are medically necessary and provided by a Medicare-certified agency. For personalized help, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

If you’re eligible for both Medicare and Medicaid, Medicare is your primary insurance, and Medicaid helps cover costs Medicare doesn’t pay, such as copayments and long-term care. For help managing both programs, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

Medicare coordinates with private health insurance or employer coverage, with the primary payer depending on your employment status and the size of your employer. For help navigating your coverage, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

Original Medicare covers medical treatment in any state from providers who accept Medicare. Medicare Advantage Plans may have network restrictions, so check your plan’s rules before getting non-emergency care in another state. For more information, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

Original Medicare doesn’t typically cover care outside the U.S., but some Medigap plans and Medicare Advantage plans may offer limited international coverage. Consider travel insurance for comprehensive protection while traveling abroad. For help, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

If you move abroad permanently, Medicare will not cover your medical care, but you can keep your coverage by continuing to pay your premiums. Consider alternative health insurance abroad, and plan ahead if you may return to the U.S. For personalized advice, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

Once you enroll in Medicare, you can no longer contribute to your HSA, but you can still use HSA funds for qualified medical expenses, including Medicare premiums and out-of-pocket costs. For help with your HSA and Medicare, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

If you’re under 65 and receiving SSDI or have ALS or ESRD, you may qualify for Medicare. You’ll receive the same benefits as those who qualify by age, including Part A and Part B, with options for Part D and Medicare Advantage. For more details, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

If you have End-Stage Renal Disease (ESRD), Medicare provides comprehensive coverage for dialysis, kidney transplants, and related care. You can also enroll in Part D for prescription drugs and Medicare Advantage for bundled benefits. For personalized help, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

Medicare covers a range of mental health services, including inpatient care, outpatient therapy, and medications. Preventive services like depression screenings are also covered. For personalized help with your mental health benefits, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

You can use both Medicare and VA benefits, but they don’t coordinate. Use VA benefits for care at VA facilities and Medicare for non-VA providers. For help navigating both programs, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

Medicare covers comprehensive hospice care under Part A, focusing on comfort and support for individuals with a terminal illness. Hospice services can be provided at home or in a facility, and most services are covered at little to no cost. For more information, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

Medigap (Medicare Supplement Insurance) helps cover out-of-pocket costs like deductibles, copayments, and coinsurance that Original Medicare doesn’t pay for. To explore your Medigap options, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

To enroll in a Medigap plan, you must be enrolled in Medicare Part A and Part B. The best time to enroll is during your six-month Medigap Open Enrollment Period. Compare plans and premiums from multiple insurers and apply online, by phone, or by mail. For personalized help, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

You can switch your Medigap plan at any time, but after your Open Enrollment Period, insurers may require medical underwriting. You may have guaranteed issue rights in specific situations or special state rules that make switching easier. For help switching plans, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.