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Does Medicare Cover A Shower Chair

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“Medicare: Providing Essential Support, Not Always Covering Shower Chairs.”

Understanding Medicare’s Coverage: Does it Include Shower Chairs?

As we journey through life, we often find ourselves in need of a little extra support. This is especially true as we age, when simple tasks like taking a shower can become challenging. A shower chair can be a beacon of independence, a tool that allows us to maintain our dignity and self-reliance. But the question that often arises is, does Medicare cover a shower chair?

Medicare, the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease, is a lifeline for many. It provides coverage for a wide range of medical services, from hospital stays to prescription drugs. But when it comes to shower chairs, the waters can get a bit murky.

Medicare Part B, which covers durable medical equipment (DME), is the part of Medicare that would potentially cover a shower chair. DME is defined as equipment that can withstand repeated use, is primarily used to serve a medical purpose, is generally not useful to a person in the absence of an illness or injury, and is appropriate for use in the home.

However, Medicare’s coverage of DME is not all-encompassing. It’s a bit like a dance, where Medicare leads and the beneficiary follows. Medicare will cover DME that is deemed medically necessary by a doctor, and the doctor must write a prescription for the equipment.

So, where does a shower chair fit into this dance? Unfortunately, Medicare does not typically cover shower chairs. The reason for this is that Medicare considers shower chairs to be “convenience items,” rather than medically necessary equipment. This means that while a shower chair can certainly make life easier and safer, Medicare does not view it as essential to the treatment of an illness or injury.

But don’t lose heart. Just because Medicare doesn’t cover shower chairs doesn’t mean you’re left without options. There are many organizations and programs that can help cover the cost of a shower chair. For example, Medicaid, the state and federal program that helps with medical costs for some people with limited income and resources, may cover the cost of a shower chair.

Additionally, some Medicare Advantage plans, which are offered by private companies that contract with Medicare, may offer additional benefits not covered by Original Medicare, including coverage for a shower chair. It’s worth checking with your plan to see if this is an option for you.

In conclusion, while Medicare may not cover the cost of a shower chair, there are other avenues to explore. It’s a reminder that even when faced with obstacles, there are always ways to overcome them. It’s about finding the right support, the right tools, and the right mindset. After all, life is a dance, and with the right partner, we can navigate even the trickiest steps with grace and confidence.

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Exploring the Possibility of Medicare Covering Shower Chairs

As we journey through the golden years of our lives, we often find ourselves in need of a little extra support. The simple tasks we once took for granted, like taking a shower, can become challenging. This is where a shower chair can be a beacon of hope, offering stability and comfort in a place where slips and falls are all too common. But the question that often arises is, does Medicare cover a shower chair?

Let’s embark on a journey to explore this possibility.

Medicare, the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease, is a lifeline for many. It provides coverage for a wide range of medical services, from hospital stays to prescription drugs. But when it comes to durable medical equipment (DME), the waters can get a bit murky.

DME is defined by Medicare as equipment that can withstand repeated use, is primarily used to serve a medical purpose, is generally not useful to a person in the absence of an illness or injury, and is appropriate for use in the home. Items like wheelchairs, walkers, and hospital beds fall under this category. But what about shower chairs?

At first glance, a shower chair might seem like a perfect candidate for DME. It’s durable, serves a medical purpose, and is used in the home. However, Medicare’s coverage of DME is not quite as straightforward.

Medicare Part B does cover DME, but only if your doctors and DME suppliers are enrolled in Medicare. You must also have a face-to-face examination with your doctor, who must provide a written order stating that the DME is medically necessary.

So, where does this leave us with shower chairs? Unfortunately, Medicare does not typically cover shower chairs. They are often classified as “convenience items,” rather than necessary medical equipment. This classification can be disheartening, especially when you consider the significant role a shower chair can play in preventing falls and ensuring safety in the bathroom.

However, don’t let this news dampen your spirits. There are other avenues to explore. Some Medicare Advantage plans, also known as Part C, may offer broader coverage and could potentially cover the cost of a shower chair. These plans are offered by private companies approved by Medicare and often include benefits beyond what Original Medicare covers.

Additionally, there are numerous charitable organizations and nonprofits that provide assistance with obtaining medical equipment. Local agencies on aging, disability organizations, and even some hospitals may have programs in place to help.

In conclusion, while Medicare may not cover shower chairs under its standard plan, there are other options available. It’s important to remember that each person’s situation is unique, and what works for one may not work for another. So, keep your head held high and continue to explore all the possibilities. After all, life’s golden years should be filled with comfort, safety, and peace of mind.

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Does Medicare Cover Shower Chairs: A Comprehensive Guide

As we journey through life, we often find ourselves in need of a little extra support. This is especially true as we age, when simple tasks like taking a shower can become challenging. A shower chair can be a beacon of independence, a tool that allows us to maintain our dignity and self-reliance. But the question that often arises is, does Medicare cover a shower chair? Let’s embark on a comprehensive exploration of this topic.

Medicare, the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease, is a lifeline for many. It provides coverage for a wide range of medical services, from hospital stays to prescription drugs. But when it comes to durable medical equipment (DME), the waters can get a bit murky.

DME is defined by Medicare as equipment that can withstand repeated use, is primarily used to serve a medical purpose, is generally not useful to a person in the absence of an illness or injury, and is appropriate for use in the home. Items like wheelchairs, walkers, and hospital beds fall under this category. But what about shower chairs?

Technically, shower chairs are considered to be DME. They are durable, serve a medical purpose, and are used in the home. However, Medicare’s coverage of DME is not all-encompassing. It is based on medical necessity, and unfortunately, shower chairs are not typically considered medically necessary by Medicare standards.

This may seem disheartening, but it’s important to remember that every cloud has a silver lining. While Medicare may not cover shower chairs, there are other avenues to explore. Many local organizations and charities offer assistance programs for seniors and individuals with disabilities. These programs often provide medical equipment, including shower chairs, at little to no cost.

Additionally, some Medicare Advantage plans, also known as Part C, may offer coverage for shower chairs. These plans are offered by private companies approved by Medicare and often include benefits beyond what Original Medicare covers. It’s worth exploring these options and speaking with a Medicare representative to understand what your specific plan covers.

In the grand scheme of life, a shower chair may seem like a small thing. But when it comes to maintaining our independence and dignity, no tool is too small. A shower chair can be a stepping stone to a safer, more comfortable life. It can be the difference between fear and confidence, between dependence and self-reliance.

So, while the journey to find coverage for a shower chair may be a bit more complicated than we’d like, it’s a journey worth taking. It’s a testament to our resilience, our determination to live life on our own terms. And isn’t that what life is all about?

In conclusion, while Medicare may not typically cover shower chairs, don’t be disheartened. There are other resources available, and with a little perseverance, you can find the support you need. After all, life is a journey, and every step we take, every challenge we overcome, brings us one step closer to our destination. And with the right tools, like a shower chair, we can navigate this journey with confidence and grace.

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The Truth about Medicare and Shower Chair Coverage

As we journey through life, we often find ourselves in need of a little extra support. This is especially true as we age, when simple tasks like taking a shower can become challenging. A shower chair can be a beacon of independence, a tool that allows us to maintain our dignity and self-reliance. But the question that often arises is, does Medicare cover a shower chair? Let’s delve into the truth about Medicare and shower chair coverage.

Medicare, the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease, is a lifeline for many. It provides coverage for a wide range of medical services, from hospital stays to prescription drugs. However, when it comes to shower chairs, the waters become a bit murky.

Medicare Part B, which covers durable medical equipment (DME), is the part of Medicare that would potentially cover a shower chair. DME is defined as equipment that can withstand repeated use, is primarily used to serve a medical purpose, is generally not useful to a person in the absence of an illness or injury, and is appropriate for use in the home.

At first glance, a shower chair seems to fit this definition perfectly. It’s durable, serves a medical purpose, isn’t generally useful to a person without a mobility issue, and is used in the home. However, Medicare has a specific list of DME that it covers, and unfortunately, shower chairs are not on that list.

This may seem disheartening, but it’s important to remember that Medicare’s coverage decisions are based on a complex set of criteria, including cost-effectiveness and the potential for misuse or overuse. While a shower chair can be a vital tool for someone with mobility issues, it’s also a relatively low-cost item that many people can afford to purchase out of pocket.

But don’t lose hope just yet. There are other avenues to explore. Some Medicare Advantage plans, which are offered by private companies that contract with Medicare, may offer coverage for shower chairs as part of their additional benefits. It’s worth checking with your plan to see if this is an option.

Additionally, there are numerous charitable organizations and non-profits that provide assistance with purchasing medical equipment for those in need. Your local Area Agency on Aging or a social worker may be able to point you in the right direction.

In conclusion, while Medicare does not typically cover shower chairs, there are other resources available that may be able to help. It’s a reminder that even when faced with obstacles, there are always paths to explore, solutions to find, and hope to hold onto. Life may present us with challenges, but with determination, resourcefulness, and a little bit of help, we can overcome them and continue to live with dignity and independence.

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Medicare and Shower Chairs: What You Need to Know

As we journey through life, we often find ourselves in need of a little extra support. This is especially true as we age, when simple tasks like taking a shower can become challenging. A shower chair can be a beacon of independence, a tool that allows us to maintain our dignity and self-reliance. But the question that often arises is, does Medicare cover a shower chair?

Medicare, the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease, is a lifeline for many. It provides coverage for a wide range of medical services, from hospital stays to prescription drugs. But when it comes to shower chairs, the waters can get a little murky.

Medicare Part B, which covers durable medical equipment (DME), is the part of Medicare that would potentially cover a shower chair. DME is defined as equipment that can withstand repeated use, is primarily used to serve a medical purpose, is generally not useful to a person in the absence of an illness or injury, and is appropriate for use in the home.

However, Medicare’s coverage of DME is not all-encompassing. It’s a bit like a dance, a delicate waltz between necessity and coverage. For Medicare to cover a piece of equipment, it must be deemed medically necessary by a doctor. This means that the doctor must certify that the equipment is needed for the patient’s health or to improve the function of a malformed body member.

In the case of a shower chair, Medicare does not typically consider it to be medically necessary. Shower chairs are often classified as “convenience items,” much like over-the-counter medication or a first aid kit. They are seen as items that can improve quality of life, but are not essential for treatment or recovery. Therefore, they are not usually covered by Medicare.

But don’t let this news dampen your spirits. There are other avenues to explore. Some Medicare Advantage plans, which are offered by private companies approved by Medicare, may offer additional benefits and may cover items like shower chairs. It’s always worth checking with your plan provider to see what is covered.

Additionally, there are numerous organizations and charities that provide assistance with obtaining medical equipment. Local senior centers, non-profit organizations, and even some hospitals may have programs in place to help those in need.

In conclusion, while Medicare may not cover a shower chair, there are other resources available. It’s important to remember that every step, every effort made towards maintaining our independence and dignity as we age, is a victory. A shower chair may seem like a small thing, but it can make a big difference in our lives. It can be a symbol of resilience, a testament to our determination to live life on our own terms. So, whether Medicare covers it or not, never underestimate the power of a shower chair.

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Decoding Medicare: Is a Shower Chair Covered?

As we journey through the golden years of our lives, we often find ourselves in need of a little extra support. The simple tasks we once took for granted, like taking a shower, can become challenging. This is where a shower chair can be a game-changer, providing stability and comfort during our daily routines. But the question that often arises is, does Medicare cover a shower chair? Let’s decode this together.

Medicare, the federal health insurance program for people who are 65 or older, is a beacon of hope for many. It provides coverage for a wide range of medical services, from hospital stays to prescription drugs. However, when it comes to the coverage of durable medical equipment (DME), the waters can get a bit murky.

DME is defined by Medicare as equipment that can withstand repeated use, is primarily used to serve a medical purpose, is generally not useful to a person in the absence of an illness or injury, and is appropriate for use in the home. Items like wheelchairs, walkers, and hospital beds fall under this category. But what about a shower chair?

Technically, a shower chair is considered a “bathroom safety item,” and unfortunately, Medicare does not typically cover these items. The reason being, they are not classified as “medically necessary.” Medicare’s definition of “medically necessary” is something that is needed to diagnose or treat an illness, injury, condition, disease, or its symptoms and that meets accepted standards of medicine.

However, don’t let this news dampen your spirits. There are other avenues to explore. Some Medicare Advantage plans, also known as Part C, may offer broader coverage. These plans are offered by private companies approved by Medicare and may include benefits beyond the original Medicare, potentially including coverage for items like shower chairs. It’s always worth checking with your plan provider to see what additional benefits may be available to you.

Moreover, there are numerous charitable organizations and nonprofits that provide assistance with acquiring such items. Local agencies on aging, disability organizations, and veterans’ groups often have programs to help seniors and individuals with disabilities obtain the equipment they need for daily living.

In addition, many shower chairs are reasonably priced and can be purchased out-of-pocket. Investing in one could significantly enhance your safety and independence, making it a worthwhile consideration.

In conclusion, while Medicare may not cover a shower chair under its standard plan, there are other resources available to help you acquire one. The journey through our golden years may come with its challenges, but it’s also an opportunity to embrace the support available to us, whether it’s a helping hand from a loved one, a beneficial insurance plan, or a simple shower chair.

Remember, every step of this journey is a testament to your resilience and strength. So, whether you’re navigating the complexities of Medicare or simply figuring out how to make your daily routine a little easier, know that you’re not alone. There’s a world of support out there, ready to help you continue living your life with dignity, comfort, and grace.

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Medicare’s Stance on Shower Chair Coverage: A Detailed Analysis

As we journey through the golden years of our lives, we often find ourselves in need of a little extra support. This support can come in many forms, from the love of our family and friends to the assistance of medical devices. One such device that can provide a significant amount of support is a shower chair. A shower chair can be a beacon of independence, a symbol of resilience, and a tool for safety. But the question that often arises is, does Medicare cover a shower chair?

Medicare, the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease, is a lifeline for many. It provides coverage for a wide range of medical services and supplies, but its stance on shower chair coverage requires a detailed analysis.

Medicare is divided into different parts, each covering specific services. Part A covers hospital insurance, Part B covers medical insurance, and Part D covers prescription drugs. The coverage of durable medical equipment (DME), which includes items like wheelchairs, walkers, and oxygen equipment, falls under Part B.

Now, you might be thinking, “A shower chair is a piece of medical equipment, so it should be covered under Part B, right?” Unfortunately, the answer is not as straightforward as we might hope. Medicare Part B does cover DME that your doctor deems medically necessary, but it also stipulates that the equipment must be used in your home for a medical reason and must have an expected lifetime of at least three years.

Here’s where the waters get a bit murky. A shower chair is indeed used in the home, and it certainly has a lifespan of more than three years. However, Medicare often categorizes shower chairs as “convenience items,” rather than necessary medical equipment. This means that, in most cases, Medicare does not cover the cost of a shower chair.

But don’t let this news dampen your spirits. There are other avenues to explore. Some Medicare Advantage plans, also known as Part C, may offer coverage for shower chairs. These plans are offered by private companies approved by Medicare and often provide benefits beyond what Original Medicare covers. It’s worth checking with your plan provider to see if a shower chair is included in your coverage.

Additionally, there are numerous charitable organizations and nonprofits that provide assistance with obtaining medical equipment. Local agencies on aging, disability organizations, and veterans groups may also be able to help.

In conclusion, while Medicare’s stance on shower chair coverage may not be what we hoped, it’s important to remember that there are other resources available. A shower chair can be a powerful tool in maintaining independence and safety in our golden years, and it’s worth exploring every avenue to obtain one. After all, the pursuit of independence, resilience, and safety is a journey worth taking, and every step, no matter how small, brings us closer to our destination.

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Shower Chairs and Medicare: A Coverage Overview

As we journey through life, we often find ourselves in need of a little extra support. This is especially true as we age, when simple tasks like taking a shower can become challenging. A shower chair can be a beacon of independence, a tool that allows us to maintain our dignity and self-reliance even as our physical abilities change. But the question that often arises is, does Medicare cover a shower chair?

Medicare, the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease, is a lifeline for many. It provides coverage for a wide range of medical services and supplies, but its coverage for durable medical equipment (DME) like shower chairs is a bit more nuanced.

Medicare Part B, which covers medical equipment, does provide coverage for DME. However, for an item to be considered DME, it must meet certain criteria. It must be durable, used for a medical reason, not usually useful to someone who isn’t sick or injured, used in your home, and have an expected lifespan of at least three years.

A shower chair, while incredibly useful and often necessary for those with mobility issues, doesn’t always meet these criteria. Medicare typically views shower chairs as “convenience items,” rather than necessary medical equipment. This means that, in most cases, Medicare does not cover the cost of a shower chair.

However, there are exceptions to every rule. If your doctor can provide documentation that a shower chair is medically necessary for your specific situation, there’s a chance that Medicare may cover it. This would typically require a written order from your doctor, stating that you have a medical need for the chair due to a condition that affects your ability to stand or balance.

Even if Medicare doesn’t cover your shower chair, don’t lose hope. There are other resources available that may be able to help. Many local organizations and charities offer assistance programs for seniors and people with disabilities, providing medical equipment at reduced cost or even for free.

Additionally, some states have Assistive Technology Programs that provide financial assistance for the purchase of DME. You may also want to consider purchasing a used shower chair or renting one, as these options can be more affordable.

In the end, the journey of aging is a journey of adaptation. We learn to navigate the world in new ways, to find joy and fulfillment in the midst of change. A shower chair, while a simple piece of equipment, can be a powerful tool in this journey. It can provide the support we need to maintain our independence, to continue caring for ourselves with dignity and grace.

So, while Medicare may not always cover a shower chair, don’t let that discourage you. There are resources available, and with a little persistence and creativity, you can find a solution that works for you. After all, the goal is not just to live, but to live well. And with the right support, you can do just that.

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Does Medicare Extend its Coverage to Shower Chairs?

As we journey through life, we often find ourselves in need of a little extra support. This is especially true as we age, when simple tasks like taking a shower can become challenging. In these moments, a shower chair can be a beacon of hope, a tool that restores independence and dignity. But the question that often arises is, does Medicare cover a shower chair?

Medicare, the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease, is a lifeline for many. It provides coverage for a wide range of medical services and supplies, but its coverage for durable medical equipment (DME) like shower chairs is a bit more nuanced.

Medicare Part B, the portion of Medicare that covers outpatient services, does cover DME. However, for an item to be considered DME, it must meet certain criteria. It must be durable, meaning it can withstand repeated use; it must be used for a medical reason; it must not usually be useful to someone who isn’t sick or injured; it must be used in your home; and it must have an expected lifespan of at least three years.

A shower chair, while incredibly useful and often necessary for those with mobility issues, doesn’t always meet these criteria. It’s durable and used for a medical reason, but it’s also useful to people who aren’t sick or injured. Furthermore, Medicare typically only covers equipment that’s necessary for treatment or rehabilitation. While a shower chair can certainly improve quality of life, it’s not typically considered necessary for treatment.

However, there’s a glimmer of hope. Medicare Advantage plans, also known as Part C, are offered by private companies approved by Medicare. These plans often provide more comprehensive coverage than Original Medicare, and some do cover shower chairs. If you have a Medicare Advantage plan, it’s worth checking with your provider to see if a shower chair is covered.

Even if Medicare doesn’t cover your shower chair, don’t lose heart. There are other resources available that may be able to help. Many states have assistive technology programs that provide financial assistance for items like shower chairs. Nonprofit organizations and charities may also offer assistance.

In the end, the journey to securing a shower chair may be a bit more challenging than you’d hoped. But remember, every step you take is a step towards maintaining your independence and dignity. And that’s worth fighting for.

So, does Medicare cover a shower chair? The answer isn’t as straightforward as we’d like. But don’t let that deter you. Keep asking questions, keep exploring your options, and keep advocating for yourself. Because you deserve to live your life with as much ease and comfort as possible. And a shower chair, while seemingly simple, can be a powerful tool in achieving that.

In the grand tapestry of life, it’s the threads of resilience and determination that make the most beautiful patterns. So, keep weaving your story, one thread at a time. And remember, even if the path is steep, the view from the top is always worth it.

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Navigating the labyrinth of Medicare coverage can often feel like a Herculean task. The question of whether Medicare covers a shower chair is one that many beneficiaries grapple with. It’s a simple question, but the answer is wrapped in layers of policy and procedure, much like the layers of an onion. But fear not, for we are here to peel back those layers and reveal the truth.

Medicare, the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease, is a beacon of hope for many. It provides a safety net, a promise of care and support in times of need. But like any beacon, its light can sometimes be obscured by the fog of bureaucracy and fine print.

Shower chairs, or bath seats as they are sometimes called, are a vital tool for many seniors and people with disabilities. They provide stability and safety in the bathroom, a place where slips and falls are all too common. The importance of these devices cannot be overstated. They are not a luxury, but a necessity, a lifeline to independence and dignity.

So, does Medicare cover a shower chair? The answer, unfortunately, is not as straightforward as one might hope. Medicare Part B, which covers durable medical equipment (DME), does not typically cover shower chairs. This is because they are often classified as “convenience items,” rather than medical necessities. This may seem like a harsh judgement, a cold dismissal of the needs of those who rely on these devices. But it’s important to remember that Medicare, like any insurance program, must operate within certain boundaries and limitations.

However, there is a silver lining. While Medicare may not cover shower chairs directly, there are other avenues of support available. Some Medicare Advantage plans, also known as Part C, may offer coverage for shower chairs. These plans are offered by private companies approved by Medicare, and their coverage can vary widely. It’s always worth checking with your plan provider to see what is and isn’t covered.

Additionally, there are other resources available for those who need assistance purchasing a shower chair. Many local and national charities offer grants or loans for medical equipment. State and local health departments may also provide assistance. It’s a matter of reaching out, of asking for help when you need it.

In conclusion, while Medicare may not cover shower chairs directly, that doesn’t mean you’re out of options. It’s a reminder that sometimes, we need to look beyond the obvious, to explore the road less traveled. It’s a testament to the resilience and resourcefulness of those who navigate the Medicare system, who advocate for themselves and their loved ones. It’s a call to action, a challenge to keep pushing, keep asking, keep fighting for the care and support you deserve.

So, does Medicare cover a shower chair? The answer may be no, but that’s not the end of the story. It’s just the beginning. It’s an invitation to dig deeper, to seek out resources and support. It’s a journey, and like any journey, it’s filled with challenges and triumphs, setbacks and victories. And through it all, remember: you are not alone. You are part of a community, a network of individuals all navigating the same challenges. Together, we can find the answers, the support, the care we need. Together, we can make a difference.

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Q&A

1. Question: Does Medicare cover a shower chair?
Answer: No, Medicare does not typically cover shower chairs as they are considered “personal convenience items.”

2. Question: Are there any circumstances where Medicare might cover a shower chair?
Answer: No, Medicare does not cover shower chairs under any circumstances as they are not considered durable medical equipment.

3. Question: What is considered durable medical equipment by Medicare?
Answer: Durable medical equipment includes items like wheelchairs, hospital beds, and oxygen equipment, which are prescribed by a doctor for use in the home.

4. Question: Can I appeal to Medicare for coverage of a shower chair?
Answer: You can always appeal any decision made by Medicare, but it’s unlikely to change their stance on shower chairs.

5. Question: Does Medicare Part B cover shower chairs?
Answer: No, Medicare Part B does not cover shower chairs as they are not considered medically necessary.

6. Question: Does Medicare Part C cover shower chairs?
Answer: Medicare Part C, also known as Medicare Advantage, may cover shower chairs, but it depends on the specific plan.

7. Question: Are there any other insurance options that might cover a shower chair?
Answer: Some private insurance companies or Medicaid may cover shower chairs, but it varies by plan and state.

8. Question: Can I use my Medicare savings account to purchase a shower chair?
Answer: Yes, you can use funds from a Medicare Medical Savings Account (MSA) to purchase a shower chair.

9. Question: Does Medicare cover any other bathroom safety equipment?
Answer: Medicare may cover items like commode chairs, patient lifts, and transfer benches if they are deemed medically necessary.

10. Question: How can I find out if my Medicare Advantage plan covers a shower chair?
Answer: You can find out by contacting your plan provider directly or checking your plan’s coverage documents.

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