If you are over the age of 50, you are at an increased risk to develop shingles. The viral infection is a painful and itchy rash that usually appears on the torso, although it can show up anywhere on your body. You also might experience headaches, fever, and fatigue.
The shingles vaccine is a good way of avoiding viral infection but are you sure if your Medicare pays for it?
Original Medicare (Part A and Part B) does not cover the shingles vaccine;o get coverage, you will need Medicare Part D. Medicare Part D is a prescription drug plan that covers the shingles vaccine and various other medications.
Since most vaccines are covered by Original Medicare, many people wrongly assume that the shingles vaccine is covered. The shingles vaccine is quite expensive, so they have to pay a lot of money out of pocket.
To have you shingles vaccine covered, you can either get Medicare Part D to work along Original Medicare, or you can get a Medicare Advantage (Medicare Part C) plan that includes prescription drug coverage. Medicare Advantage plans usually include other benefits as well.
If you have prescription drug coverage through Medicare, you can get the shingles vaccine. However, you need to make sure you get vaccinated at a location that is covered by your plan. Many seniors choose to get the shingles vaccine at local pharmacies. If the pharmacies do not participate in the Medicare drug plan, the vaccination won’t be covered. Therefore you should always check before getting vaccinated to ensure that you are covered.
If you choose to get vaccinated by your doctor instead of at the pharmacy, you need to find out if the plan will reimburse the doctor directly. Otherwise, you will have to pay for the vaccine and then get your reimbursement from your prescription drug plan. You can obtain the needed information by contacting your drug plan directly.
Medicare doesn’t cover Shingrix, but a prescription drug plan does. Talk to a licensed insurance agent to find out how to get the coverage you need. Whether you plan to add Medicare Part D to Original Medicare or get a Medicare Advantage plan, the agent will help you find coverage.