If your mobility is seriously challenged, either by an injury or a devastating disease which leaves you hard of walking, or even hard of standing in location for extended periods of time, and you are looking into Medicare, Medigap, and Secondary wheel chair Insurance to help you settle the expenses of a mobility gadget such as a Medicare wheel chair or Medicare power wheel chair, then you are checking out the ideal info. By the time you end up reading you must have a better information that can help you decide whether you should get Medigap or Secondary insurance to help you if you are dealing with copayments, coinsurances and deductibles that Medicare by itself does not pay for.
Part B of Medicare requires from you an application for repayment of the expenses of the power wheel chair, that includes the “certificate of medical requirement” signed and dated by your doctor. When the application is authorized, you will get 80% of the expense of a power wheel chair after deductible.
As an example, let’s say the power wheel chair cost $2,000. The Medicare deductible is $155 at this time, so your expense cost is $155 + 0.20 * ($ 2,000-$ 155), which amounts to your out of pocket cost of $524.
Medicare Plus Medigap
Medigap additional insurance coverages are administered by regional insurance companies which can compete on the rate of these benefits. Many of the Medigap programs will cover the 20% coinsurance, but will not cover your deductible. A few Medigap programs will cover both the coinsurance and the deductible, bringing your overall out of pocket cost for your power wheel chair down to $0.
Medicare Plus Secondary Insurance coverage
Medicare Secondary Insurances are not managed federally, so they can be created in a different way by private insurance companies. Most likely, secondary insurances would contribute to the power wheelchair purchase if Medicare contributes.
Caveat: Another, more subtle difference in between Medigap and Medicare secondary insurance coverage for a wheelchair is the fact that Medicare itself has repaired costs on specific kinds of movement devices such as Medicare power wheel chairs. There may or may not be such restrictions with secondary insurances for a wheel chair. So in case of you requiring a pricey power wheelchair (and the expenses of those may go up to $8,000 and more), a Medicare plus Medicare Secondary Insurance coverage mix might serve you better than Medicare plus Medigap.