Does Medicare cover second medical opinions? The doctor I currently see thinks I need back surgery, but I would like to find out more about other treatment options before I proceed. What can you tell me?
Medicare does pay for second opinions if your current doctor has recommended surgery or some other major diagnostic or therapeutic procedure. Getting a second medical opinion from another doctor is a smart idea. A second opinion may offer you a fresh perspective and additional options for treating your back condition so you can make a more informed decision. Or, if the second doctor agrees with your current doctor’s opinion, it can give you some reassurance moving forward.
If you are enrolled in original Medicare, 80% of the costs for second medical opinions are covered under Part B (you or your Medicare supplemental policy are responsible for the other 20%), and you do not need to obtain an order or referral from your doctor to see another doctor for a second opinion. Medicare will even pay 80% of the costs for a third medical opinion, if the first two differ. Most Medicare Advantage plans cover second opinions too, but you may need to follow certain steps to obtain coverage. For example, some plans will only help pay for a second opinion if you receive a referral from your primary care doctor. Plans also may require you to see doctors in their networks only. If you have a Medicare Advantage plan, you’ll need to call to find your plan’s rules. Continue reading
While we cannot reverse the aging process, it is possible to make a few changes to your daily routine in order to ensure that you live healthier and longer lives. Here are some healthy ways that you can get into that can help you to live the longest, healthiest life possible. Continue reading
When caring for a loved one who has Alzheimer’s or dementia, behavior can be one of the most difficult parts of the daily journey. It’s important to understand that the disease changes your loved one’s brain, and because of these changes, communication problems can arise. Being aware of some of the more common behavioral problems that come with dementia can help you give your loved one the best possible care. Continue reading
How can you ensure that your child will remain well cared for and secure once others assume the role of guardian or caregiver? While creating a financial plan and establishing a specialized trust are central to preparing for your child’s future, special needs planners also advise families to write down their intentions and expectations in a document referred to as a Memorandum of Intent, also known as a “Letter of Intent.” This document can be used to describe your child’s health care and therapeutic needs, identify lifestyle preferences and provide contact information for doctors, therapists and teachers. It also can be used to convey insights into your child’s personality and history that future caregivers might not easily gain on their own. Continue reading
Fear of falling is a very real thing for many seniors. Many seniors may avoid walking just to keep from having a bad fall and risking bone fractures. But staying at home and never getting up to move around isn’t good for anyone. Regular exercise is necessary to living a healthy life. Seniors need to be able to move around their homes without fear. Here are a few ways you can conquer a fear of falling. Continue reading