Health Insurance

You can cover the costs out of pocket, but this is usually unaffordable for most people. Instead, try asking your doctor for a referral to another healthcare provider that does accept Medicare, do your own research, or visit an urgent care facility. Most urgent care offices accept Medicare.

Yes, you may appeal an insurers' denial of your claim. Typically, your insurer will expect you to work with your physician's office to provide justification for the need for the treatment, drug, or device, and it still may not be approved. You may appeal beyond your health insurance company with the state insurance commissioner.

Try to sign up during the enrollment period: three months before you turn 65 through the three months after your birthday. Next, if you lose other drug coverage, make sure to sign up for Part D within 63 days. Last, make sure you have proof of credible drug coverage in your records so you can prove you do not deserve a penalty.

The Internal Revenue Service (IRS) typically does not allow FSA funds to pay for health club or gym membership dues. However, the IRS allows FSA funds to be used to pay separate fees charged at health clinics or physical therapy centers for specific activities when prescribed by a doctor.

Yes. Tax-deductible medical costs include payments to doctors, dentists, surgeons, inpatient hospital care, acupuncture treatments, participation in weight-loss programs, and more. The Internal Revenue Service has a list of examples of deductible medical expenses on its website.

Most vision care plans provide discounts on laser eye-correction surgery. Vision care plans have different offerings—some offer minimal services; others may help cover treatments for eye surgery.