Millions of Americans are living with chronic obstructive pulmonary disease, or COPD. Most rely on numerous drugs, treatments, and services to keep symptoms under control. That can be expensive. If you’re on Medicare, though, it’ll cover a lot of those costs. Here’s how – and what you can do if it doesn’t cover enough.
According to the American Lung Association, more than 11 million people in the US are living with chronic obstructive pulmonary disease, or COPD. And according to NPR, one in nine enrolled in Medicare can say the same.
Now consider that just short of 60 million Americans are on Medicare.
The point of all this number-crunching: to make it clear that a lot of people with COPD are Medicare enrollees. As many as six million (or more), in fact.
If you’re one of them, you’re in luck. That’s because Medicare covers many of the screenings, treatments, equipment, and services COPD patients rely on to keep their symptoms under control.
And depending on your plan, it might cover the COPD medications you take for the condition, too.
Want to know more? Keep reading to learn about:
In general, Medicare does a really good job of covering COPD treatment.
The thing is, Medicare is made up of a number of different components and plans. First, there’s Original Medicare, or Medicare Parts A and B. There’s also Medicare Part D, which covers prescription drugs. And then there’s Medicare Part C, too. You might know it as Medicare Advantage instead. Finally, there’s Medicare Supplement insurance – also called MedSup or Medigap.
You’ll learn more about all these plan types and how they cover COPD care in the next few sections.
Want to bone up on Parts A, B, C, and D, as well as Medicare Supplement, first? Read through our Medicare guide.
As you may or may not know, Medicare Part A covers most of the care you receive in a hospital or skilled nursing facility. It also covers some home health and hospice care.
What does that mean if you’re diagnosed with this COPD, which often is caused by smoking?
For the most part, it means your Part A coverage will pay for (or help you pay for) health care you receive if your COPD symptoms force you to be admitted to a hospital as an inpatient.
It’ll also cover some or all of the care you receive if your COPD symptoms put you in a skilled nursing facility for a short amount of time.
As for home health services tied to your COPD care, Part A usually only covers this if you’re homebound. (And your doctor or physician certifies you’re homebound.)
Also, depending on your situation, you may need to use Part A coverage to pay for these services, or you may need to use Part B coverage. Or you may need to use both.
In other words, if you need home health care to help with your COPD treatment, don’t be shy about reaching out to a Medicare representative for clarity in this area.
If you’re wondering what you’ll pay for COPD treatment or services you receive as a hospital inpatient, a short-term patient in a skilled nursing facility, or a home-health patient, here’s the gist: the cost is rolled into your Part A deductible and coinsurance charges.
People often call Medicare Part B “medical insurance.” It covers doctor and physician visits, services and supplies needed to diagnose or treat medical conditions, and preventive care.
If you’re at risk of developing COPD or you think you might have it for some other reason, your Part B plan should cover the physical exam and lab tests that need to be done to diagnose it.
Your Part B coverage will help you pay for several COPD treatments and services, too. For example, your doctor or physician may recommend that you start pulmonary rehabilitation. This kind of program combines education, physical training, nutrition advice, and counseling, says lung.org. The goal: to teach people living with a chronic lung disease like COPD to breathe easier, exercise, and eat well.
Seems important, right? Well, Medicare Part B will help you pay for a pulmonary rehab program if your COPD is moderate to severe.
How much do you have to pay in this situation? According to medicare.gov:
Some of the other vital services Medicare Part B covers for people who have COPD:
Many people with COPD use oxygen some or most of the time to help them breathe better or more easily.
Some good news for those who have Medicare Part B: it covers the rental for prescribed oxygen equipment.
It also pays for “oxygen contents and supplies” if you own your own equipment and you meet these conditions, according to medicare.gov:
Medicare Part B also pays for humidifiers when they’re used along with oxygen equipment to treat COPD and other chronic and severe lung diseases.
As is the case with Part B coverage and pulmonary rehab, you’ll pay 20 percent of the Medicare-approved amount for this type of therapy. And your Part B deductible applies here, too.
In developed countries like the US, smoking is the main cause of COPD.
If your physician thinks smoking caused your COPD, stopping is important. Or it’s important if you want to keep flare-ups, complications, and other conditions – like heart disease and lung cancer – at bay.
That’s where smoking cessation counseling comes into play. Medicare Part B will cover up to eight visits with a smoking or tobacco-use cessation counselor over a 12-month period.
Even better: you won’t pay a single cent for those sessions if the doctor or provider accepts assignment. You can’t just go to anyone for this kind of therapy. Medicare must approve of or recognize him or her.
According to Mayo Clinic, people with COPD have an increased risk of developing lung cancer and other serious conditions.
Thankfully, Medicare Part B covers the cost of a lung cancer screening once a year if you meet the following conditions:
If all the above is true for you, and if the doctor who performs the screening accepts assignment, you’ll pay nothing out of pocket for this service.
People with COPD also are more likely than most others to get lung infections, too, according to insurance giant Cigna.
Some good news for those folks: if you have Medicare Part B, it’ll cover one flu shot per flu season.
It’ll cover those shots fully, too. As in, you won’t pay a dime for them if your healthcare provider accepts assignment.
Part B will pay for you to get pneumococcal shots, too. Specifically, it will pay the full cost for you to get one of these shots whenever you want, and a second (different) one if it comes at least one year after the first.
Yes, they do – although not in the same ways.
Medicare Advantage plans basically take the place of Original Medicare. In other words, they provide enrollees with their Part A and Part B benefits.
Which means, of course, that a Medicare Advantage plan will cover your COPD treatments and services at least as well as Original Medicare. And it might do an even better job of covering them than “traditional” Medicare does.
As for MedSup (or Medigap), it pays some of the costs Original Medicare doesn’t. For example, it can help cover your deductibles, copays, and coinsurance charges.
Considering how many different drugs, equipment, treatments, and other services people with COPD rely on to control their symptoms, adding this kind of policy can go a long way toward helping you afford all the care you need.
Original Medicare does not cover COPD drugs. Or any drugs whatsoever, for that matter.
For that, you need a Medicare Part D plan. Or you need a Medicare Advantage plan that includes prescription drug coverage.
If you’re ever in the market for one of these policies, remember this: they don’t all cover the same medications.
So, if you have COPD and you need certain drugs to treat the disease’s symptoms, make sure any Part D or Medicare Advantage plan you enroll in covers them. Or at least make sure it covers as many of them as possible.
Pay attention, too, to how any plan you seriously consider covers your COPD medications, too. Don’t just look at its monthly premium payments. Look at its deductibles and copays as well. They can have a major impact on how much--or how little--you spend on these and other drugs.
Want to learn more about this “part”? See our Medicare Part D article.
In a way, yes, Original Medicare covers COPD prevention.
As mentioned earlier, Part B pays for up to eight visits with a smoking or tobacco-use cessation counselor over a 12-month period. And it pays for them fully, too. Assuming Medicare recognizes the provider and the provider accepts assignment, that is.
So, if you smoke and you want to help ensure you don’t develop this disease, talk to your doctor about enrolling in a smoking cessation program.
That’s hard to say. After all, doctors, physicians, and other healthcare providers use a lot of different procedures and products to diagnose and treat COPD. Here are some examples:
Combined, Medicare Parts A, B, and D cover all the above. That doesn’t mean you won’t have to deal with any out-of-pocket costs when you go to have them done, however.
And it doesn’t mean there aren’t COPD drugs, equipment, programs, treatments, or services that one or more Medicare “parts” won’t cover.
If the product or procedure you need isn’t included on this list, though, make sure your Medicare plan will help pay for it before you agree to it.
Struggling to afford your COPD services, treatments, and drugs--even with Medicare coverage? Try one or more of the following. They could help you save a lot of money.
Let him or her know you’re having a hard time paying for your COPD care. They may be able to point out sources of financial assistance you’ve overlooked so far. They also might be able to help by getting creative with how they treat your symptoms.
Switching to generics could save you a bundle--especially if you take more than one COPD drug. Just make sure your doctor or physician gives you the thumbs up to do so.
Some of these manufacturers have assistance programs in place that’ll save you money or even keep you from paying for your medications at all.
Medicaid is one option if you need help paying for your COPD care. Some states and cities run programs that can help with it, too. To find out if that’s true where you live, visit your city, county, or state government’s website.
You already know shopping around helps you save money on insurance, right? Well, it helps you save money on medications, too. So, go to different pharmacies. Don’t just check out brick-and-mortar ones, though; look online, too. See what they charge for the drugs you need. And see if they have programs that could save you even more money.
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