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Caring Senior Service of Raleigh Blog

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6 Things Your Insurance Won't Pay For

Posted by Alyssa Ball on Aug 7, 2018 5:30:00 PM

Senior discussing health insurance with a doctorOne problem remains the same whether you are over the age of 65 or under: getting health insurance to pay for your medical issues. If you have the basic Medicare package, you will still be responsible for paying out of pocket for many different things. Read on for 6 of these health expenses that won't be covered by insurance.

1. Home Physical Therapy

When seniors come home from the hospital, they often need sessions from a licensed physical therapist. However, a doctor first needs to approve the sessions, then Medicare pay for just 80% of each visit. If the doctor doesn't approve PT, seniors will be responsible for 100% of the cost.

2. Cosmetic Surgery

We often think of cosmetic surgery as a luxury, and for many it is. But for senior citizens who may be suffering from infections because of excess skin, cosmetic surgery is a must. But health insurance does not always pay for the cost.

3. Dental Coverage

All seniors need to keep up with their dental care, no matter their age. But not every dental procedure is covered by health insurance. Dentures and basic dental care may have to be paid for out of pocket by seniors.

4. Co-Pays

While Medicare will cover a portion of many procedures, seniors are left paying a co-pay for many different things, including prescription drugs, specialist visits, and more.

5. Stair Lifts

Some seniors need help moving up and down their stairs when they are living at home, even if a loved one is living with them. Stair lifts are the answer, but they are also an expensive solution not covered by Medicare.

6. Hospice Care

Medicare does not cover the room and board portion of hospice care if you or a senior needs it. This expense will need to be covered by the patient.

Many of the issues of aging can be solved by providing parents with the support they need to continue to maintain their independence. The resources provided by Caring Senior Service can help. Get in touch with us today!

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