Does Medicare Cover Falls?
This article was updated on: 09/10/2018
When you’re 65 or older, falls are something you might be concerned about. Did you know (according to the Centers for Disease Control and Prevention):
- More than one in four people over 65 fall every year?
- Once you fall, your chances of falling again are doubled?
Facts about falls
The Centers for Disease Control and Prevention (CDC) reports that:
- The vast majority of broken hip injuries (95%) are caused by falling.
- Nearly 3 million people per year go to emergency rooms because of falling. That’s about one person every 15 seconds, according to the National Council on Aging.
- More than 800,000 people are admitted to hospitals every year due to falling.
- One in five falls results in a serious injury – sometimes a head injury.
- Medical costs associated with falling amounted to about $31 billion a year.
Falls are the most common cause of death for people over 65, according to the National Institutes of Health.
Why do seniors tend to fall?
The National Institutes of Health reports that losing your footing, slipping, or losing your balance are common causes of falls. As we age, we may have changes in our vision, reflexes, muscle mass, and strength that can make falling harder to prevent.
For some tips to help prevent falling, see this article.
Does Medicare cover injuries from falls?
Generally, Medicare covers treatment for your injuries if you fall. Original Medicare is the federal health insurance program that consists of Part A (hospital insurance) and Part B (medical insurance).
- If you’re admitted to a hospital after suffering injuries due to a fall, Medicare Part A will cover your treatment in most cases. The Part A deductible may apply, as well as coinsurance after the first 60 days. Medicare Part B may cover some services, such as doctor visits, when you’re a hospital inpatient.
- If you’re treated in an emergency room, doctor’s office, or clinic after a fall, Medicare Part B usually covers these services. As with Part A, a deductible and coinsurance or copayment amounts may apply.
Could a Medicare Supplement plan help cover injuries from falls?
Medicare Supplement plans can help with the out-of-pocket costs from Medicare Part A and Part B mentioned above – copayments, coinsurance, and deductibles, for example. Read more about Medicare Supplement plans.
Would you like to find out more about Medicare Supplement plans, or other Medicare plan options? I can answer your questions.
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