May 29, 2015 - 08:13 AM
When someone is covered by Medicare due to turning age 65 they have purchasing options during open enrollment as to what is covered in the plan such as part A, part B, part C and part D. Medicare alone does not consider pre-existing conditions. But there are gaps in coverage of what Medicare does and does not cover, so many people will purchase other insurance(supplementals) to cover the gaps. This has to be done within six months of first enrolling for Medicare. Depending on the type of insurance purchased for this reason there could be some waiting period for pre-existing or some exclusion. Therefore check with each supplemental plan to determine the rules. It would be important to check with the Medicare office in your state to fully understand all your options.
May 30, 2015 - 10:57 AM
I believe that Medicare would cover all of your dad’s conditions. However, you need to call the Medicare office to find out for sure. Be aware that there are certain aspects of your dad’s care that Medicare does not cover, for example Medicare does not cover nursing home or assisted living care if no skilled nursing or therapy is involved.