Medicare may help cover auto accident injuries, but Medicare may pay after your car insurance company.
If you are in a car accident and suffer injuries that are covered by your car insurance carrier, they may pay their share of your covered costs.
If the treatment for your injuries is also covered by Medicare, Medicare may help cover some of the remaining costs after your car insurance company pays first.
If you have a Medicare Advantage (Part C) plan, any treatment that would be covered by Original Medicare (Part A and Part B) will be covered by your Medicare Advantage plan.
Original Medicare is made up of two parts: Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance). Each part of Medicare covers different things.
Examples of the services that Medicare Part A helps cover include:
If you are admitted to the hospital due to your auto accident injuries, Medicare Part A may help cover your hospital stay and certain inpatient care costs.
Examples of the services that Medicare Part B helps cover include:
If your auto accident injuries require any doctor’s services, including an ambulance ride, these costs may be covered by Part B.
Some auto accident injury bills may be denied by your car insurance company. In this case, Medicare may help pay for covered services, and you are responsible for payment on any services that aren’t covered by Medicare.
Even if Medicare covers your auto accident injuries, you will likely need to pay part of the costs.
Your Medicare Part A out-of-pocket costs can include:
Your Part A deductible must be paid before Medicare Part A will begin paying its share of covered services.
Your Medicare Part B out-of-pocket costs can include:
Medicare Part C plans are sold by private insurers as an alternative to Original Medicare.
When you enroll in a Medicare Advantage plan, you still get all of the hospital and medical benefits provided by Medicare Part A and Part B.
Therefore, your auto accident injuries will be covered by Medicare Advantage if they are covered by Original Medicare.
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