Chronic Diseases and Medicare

As people age, they often face an increased risk of developing chronic diseases. In fact, nearly 95% of people over the age of 65 have at least one chronic condition and nearly 80% have two or more. These conditions, such as diabetes, heart disease, and cancer, can significantly impact an individual’s health and well-being and their ability to access and pay for healthcare services. For those who are eligible for Medicare, these chronic diseases can also have a significant impact on their coverage and costs.

Chronic diseases can impact coverage and costs in several ways for those who are eligible for Medicare. First, individuals with chronic conditions may require more frequent medical care. This increased demand for healthcare services can lead to higher out-of-pocket costs and higher premiums for Medicare coverage.

Second, individuals with chronic diseases may have difficulty accessing certain types of care, such as specialized treatments or procedures. Medicare coverage is designed to be comprehensive, but there are still gaps in coverage for certain services. For example, Medicare does not cover most dental care, which can be a significant issue for individuals with chronic conditions that impact their oral health.

Third, chronic diseases can impact an individual’s ability to participate in Medicare Supplement insurance, which are private insurance plans that provide additional coverage beyond traditional Medicare. Medicare Supplement insurance plans typically require individuals to meet specific health requirements to enroll. Individuals with chronic conditions may not be