Has the time come for you to apply for Medicare in New Jersey? You’ll be happy to know that Medicare is good insurance, and most people are satisfied. But it’s important toAn NJ financial advisor explains Medicare coverage in New Jersey to her client before deciding on your plan, understand Medicare coverage to know what health care services are covered—and which ones aren’t. 

Medicare Coverage in New Jersey: What You Should Know

To understand the scope of coverage options, you’ll need to know the different parts of Medicare: 

  • Part A provides basic hospitalization coverage.
  • Part B covers outpatient care like doctors’ visits and diagnostic testing.
  • Part C (Medicare Advantage) is a private option that combines Part A and B and offers additional benefits.
  • Part D is prescription drug coverage. 

Medicare supplement plans (Medigap) are private insurance plans that help cover out-of-pocket costs like copays, coinsurance, and deductibles. 

Medicare Part A. Medicare Part A covers hospital costs when you’re formally admitted with a doctor’s order. The insurance pays for wheelchairs and walkers, hospice care, some home health care services, blood transfusions, and limited coverage for skilled nursing. 

Medicare Part B. Medicare Part B covers doctor visits and preventive health care like yearly screenings and exams.

Some of the tests and services covered are: 

  • Cancer and mental health screenings 
  • Ambulance and emergency department services 
  • Vaccinations for flu and hepatitis 
  • Medical equipment and diabetes supplies 

Medicare Part C. Also called Medicare Advantage, this private option provides the benefits of Part A and Part B and extra benefits like dental, hearing, vision, and prescription drug coverage. You’ll pay a premium for this plan through an insurance company and can only see the doctors in your network. 

Medicare Part D. Medicare Part D covers prescription drugs. This plan is optional, but we highly recommend it because you could face late enrollment penalties later on. 

What Doesn’t Medicare Cover? 

While Medicare supports a wide range of services, there are some things it doesn’t provide coverage for, such as: 

  • Hearing aids 
  • Most dental care, including dentures, 
  • Routine vision and foot care 
  • Long-term or custodial care 
  • Acupuncture 
  • Cosmetic surgeries 
  • Medical care overseas 
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