<\/strong><\/p>\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text module_id=”freemedicarela” _builder_version=”4.17.3″ custom_padding=”||||false|false” text_line_height_tablet=”” text_line_height_phone=”” text_line_height_last_edited=”on|phone” ul_line_height_tablet=”” ul_line_height_phone=”2.5em” ul_line_height_last_edited=”on|phone” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n
How much will you pay for DME when Medicare Part B accepts to cover an item ?<\/h3>\n
<\/p>\n
In cases where Medicare Part B accepts to cover an item –
<\/strong><\/p>\n\n- you will pay 20 % of the Medicare-approved purchase or rental price, and any extra amount the supplier has added to that price (if they are not a participating supplier)<\/li>\n
- if you have not already paid your annual deductible ($233.00 in 2022), you will also have that to pay<\/strong><\/li>\n<\/ul>\n
This does make it seem rather pointless to use Medicare Part B coverage to pay for cheaper items, if you are going to have to pay your annual deductible.<\/p>\n
But this is not the case on more substantial items such as a hospital bed<\/strong>, or anything over $400.00.<\/p>\nIt may be worth trying to get coverage from Medicare Part B, even if you have to pay your annual deductible.<\/strong><\/p>\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text module_id=”freemedicarela” _builder_version=”4.17.3″ custom_padding=”||||false|false” text_line_height_tablet=”” text_line_height_phone=”” text_line_height_last_edited=”on|phone” ul_line_height_tablet=”” ul_line_height_phone=”2.5em” ul_line_height_last_edited=”on|phone” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n
<\/h3>\n
<\/p>\n
Example of savings on different items if you have to also pay your annual deductible<\/h3>\n
<\/p>\n
Note:<\/strong> for all examples in this article, you need to be acquiring the items from a “Participating” Medicare-approved supplier who accepts “assignment”.<\/p>\n <\/p>\n
Example 1\/ a $50.00 walker (Medicare-approved price)<\/span><\/strong><\/span><\/strong><\/p>\n<\/strong><\/p>\n<\/strong><\/p>\nYou pay Medicare annual deductible = $233.00<\/p>\n
You pay the 20% co-insurance of the Medicare-approved price of $50.00 = $10.00<\/p>\n
The total you will pay = $233.00 + $10.00 = $243.00<\/p>\n
You will end up paying an extra $193.00 for a $50.00 walker
<\/strong><\/p>\n<\/strong><\/p>\nSo, this makes no sense on cheaper items unless you have already paid your annual deductible – and we will come to that in a minute.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text module_id=”freemedicarela” _builder_version=”4.17.3″ custom_padding=”||||false|false” text_line_height_tablet=”” text_line_height_phone=”” text_line_height_last_edited=”on|phone” ul_line_height_tablet=”” ul_line_height_phone=”2.5em” ul_line_height_last_edited=”on|phone” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n
Example 2\/\u00a0\u00a0 a $500.00 hospital bed (Medicare-approved price)<\/span><\/strong><\/span><\/strong><\/p>\n<\/span><\/strong><\/p>\nYou pay Medicare annual deductible = $233.00<\/p>\n
You pay the 20% co-insurance of the Medicare-approved price of $500.00 = $100.00<\/p>\n
The total you will pay = $233.00 + $100.00 = $333.00<\/p>\n
Your saving will be = $167.00 by using Medicare Part B
<\/strong><\/p>\n<\/strong><\/p>\nSo, the above purchase or rental makes good sense. <\/strong><\/p>\n <\/p>\n
Even in a case where an item costs $400.00<\/strong>, and in which you also have to pay\u00a0 your annual deductible, you will save $87.00.<\/strong><\/p>\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text module_id=”freemedicarela” _builder_version=”4.17.3″ custom_padding=”||||false|false” text_line_height_tablet=”” text_line_height_phone=”” text_line_height_last_edited=”on|phone” ul_line_height_tablet=”” ul_line_height_phone=”2.5em” ul_line_height_last_edited=”on|phone” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n
But this all changes if you have already paid your Medicare Part B annual deductible<\/strong> in the given year, then it is to get your Medicare Part B coverage to pay for any durable medical equipment, as Medicare will cover 80% of the cost of your item, and you will just cover the co-insurance.<\/p>\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text module_id=”freemedicarela” _builder_version=”4.17.3″ custom_padding=”||||false|false” text_line_height_tablet=”” text_line_height_phone=”” text_line_height_last_edited=”on|phone” ul_line_height_tablet=”” ul_line_height_phone=”2.5em” ul_line_height_last_edited=”on|phone” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n
Examples of savings on different items if you have already paid your annual deductible<\/span>
<\/strong><\/h3>\n <\/p>\n
Example 1\/ a $50.00 walker (Medicare-approved price)<\/span><\/strong><\/p>\n<\/span><\/strong><\/p>\nYou pay the 20% co-insurance of the Medicare-approved price of $50.00 = $10.00<\/p>\n
The total you will pay = $10.00<\/p>\n
You will save $40.00 on the $50.00 walker<\/strong><\/p>\n<\/strong><\/p>\nSo, this makes perfect sense on cheaper items now.<\/p>\n
<\/p>\n
<\/strong><\/p>\nExample 2\/\u00a0\u00a0 a $500.00 hospital bed (Medicare-approved price)<\/span><\/strong><\/span><\/strong><\/p>\n<\/span><\/strong><\/p>\nYou pay the 20% co-insurance of the Medicare-approved price of $500.00 = $100.00<\/p>\n
The total you will pay = $100.00<\/p>\n
You will save = $400.00 on a $500.00 hospital bed
<\/strong><\/p>\n<\/strong><\/p>\n<\/strong><\/p>\nSo, once you have paid your deductible, the savings are huge.<\/strong><\/p>\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.17.3″ _module_preset=”default” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text module_id=”freemedicarela” _builder_version=”4.17.3″ custom_padding=”||||false|false” text_line_height_tablet=”” text_line_height_phone=”” text_line_height_last_edited=”on|phone” ul_line_height_tablet=”” ul_line_height_phone=”2.5em” ul_line_height_last_edited=”on|phone” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n
What if you have Medigap or a Supplemental Plan ?<\/h2>\n
<\/p>\n
Medigap and supplemental plans are extra policies that individuals can buy so that they do not have to pay their 20% coinsurance on Medicare Part B.<\/p>\n
This would mean in the that in the examples shown, there would be no 20% coinsurance to pay each time equipment which Medicare Part B has agreed to cover, is bought. It is covered by Medigap or other supplemental plan.<\/p>\n
It still is not free equipment, as you are paying for your Medicare Part B coverage, your annual deductible (on the first item only in the insurance term), and your Medigap or supplemental policy.<\/strong><\/p>\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text module_id=”freemedicarela” _builder_version=”4.17.3″ custom_padding=”||||false|false” text_line_height_tablet=”” text_line_height_phone=”” text_line_height_last_edited=”on|phone” ul_line_height_tablet=”” ul_line_height_phone=”2.5em” ul_line_height_last_edited=”on|phone” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n
Other places to find free durable medical equipment<\/h2>\n
<\/p>\n
If this doesn’t work for you, look into the following places in your area to find free medical equipment, and see if you qualify –<\/p>\n
<\/p>\n
\n- your state Assistive Technology Program<\/li>\n
- community loan closets<\/li>\n
- resuse centers for durable medical equipment<\/li>\n<\/ul>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text module_id=”freelocalla” _builder_version=”4.17.3″ global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n
Where to ask about free medical equipment in your neighborhood<\/h2>\n
<\/p>\n
If nothing has helped you so far, you may want to inquire at some following locations in your neighborhood –<\/p>\n
<\/p>\n
\n- Your local Area Agency on Aging<\/li>\n
- Your local social services<\/li>\n
- Lions Clubs<\/li>\n
- Rotary Clubs<\/li>\n
- Local church communities and faith groups<\/li>\n<\/ul>\n
<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.17.6″ _module_preset=”default” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_testimonial author=”Gareth Williams” portrait_url=”https:\/\/lookingaftermomanddad.com\/wp-content\/uploads\/2019\/10\/Gareth-photo-smaller-1.png” quote_icon=”off” _builder_version=”4.17.6″ body_text_color=”#000000″ author_text_color=”#000000″ background_color=”#FFFFFF” custom_margin=”||||false|false” custom_padding=”40px||40px||true|false” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset1″ box_shadow_blur=”27px” box_shadow_spread=”-5px” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n
I’m Gareth, the author and owner of Looking After Mom and Dad.com<\/p>\n
I have been a caregiver for over 10 yrs and share all my tips here.<\/p>\n
[\/et_pb_testimonial][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"
Medicare Part B is not free, by any means, and neither is the equipment that it covers, but in certain situations, it will greatly reduce the cost of the equipment to the beneficiary if they qualify. It can get a little complicated to understand exactly when you are covered, for what, and to what extent, […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[4,42,12],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/lookingaftermomanddad.com\/wp-json\/wp\/v2\/posts\/72211"}],"collection":[{"href":"https:\/\/lookingaftermomanddad.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lookingaftermomanddad.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lookingaftermomanddad.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/lookingaftermomanddad.com\/wp-json\/wp\/v2\/comments?post=72211"}],"version-history":[{"count":0,"href":"https:\/\/lookingaftermomanddad.com\/wp-json\/wp\/v2\/posts\/72211\/revisions"}],"wp:attachment":[{"href":"https:\/\/lookingaftermomanddad.com\/wp-json\/wp\/v2\/media?parent=72211"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lookingaftermomanddad.com\/wp-json\/wp\/v2\/categories?post=72211"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lookingaftermomanddad.com\/wp-json\/wp\/v2\/tags?post=72211"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}