Page 18 THE REVERE ADVOCATE – FRIDAY, FEBRUARY 28, 2020 OBITUARIES (Statuto) Sordillo Olympia M. Ten Things Medicare Doesn’t Cover Dear Savvy Senior, I will be enrolling in Medicare in a few months and would like to fi nd out what they don’t cover so I can avoid any surprises. Almost 65 Dear Almost, While Medicare (Part A and B) covers a wide array of health care services after you turn 65, it doesn’t cover everything. If you need or want certain services that aren’t covered, you’ll have to pay for them yourself unless you have other insurance, or you enroll in a Medicare Advantage health plan, which may off er some additional benefi ts. Here’s a look at some commonly needed medical services that original Medicare doesn’t pay for. Most dental care: Routine dental care including checkups, cleanings, fi llings, tooth extractions and dentures are not covered by Medicare. However, some Medicare Advantage plans do cover basic dental care services. Routine vision care and eyeglasses: Medicare does not cover routine eye exams, eyeglasses and contact lenses (except following cataract surgery), but tests, treatments and surgeries for medical eye diseases like cataracts, glaucoma and macular degeneration are covered. Some Medicare Advantage plans do off er routine vision benefi ts. Alternative medicine: Acupuncture, chiropractic services (except to fix subluxation of the spine), and other types of alternative or complementary care are not covered by Medicare. Prescription drugs: Medicare (Part A and B) doesn’t provide coverage for outpatient prescription drugs, but you can buy a separate Part D prescription-drug policy that does, or a Medicare Advantage plan that covers both medical and drug costs. Cosmetic surgery: Most cosmetic procedures are not covered; however, if the surgery is due to an injury or deformity, it might pay. For example, Medicare will cover a breast prosthesis for breast cancer survivors. Hearing aids: Medicare will not pay for hearing exams or hearing aids, but may cover a hearing and balance exam if your doctor determines it’s necessary. Some Medicare Advantage plans do off er hearing benefi ts. Long-term care: Nursing home care and assisted living facilities are not covered by Medicare. But, Medicare will help pay up to 100 days of skilled nursing or rehabilitation care immediately following a hospital stay of three or more days. Personal home care: If you need to hire help for bathing, dressing or getting out of bed, Medicare typically won’t cover these costs either, unless you are homebound and are also receiving skilled nursing care. Housekeeping services, such as shopping, meal preparation and cleaning are not covered either unless you are receiving hospice care. But a few Medicare Advantage plans do off er in-home support services. Routine foot care: Medicare does not cover most routine foot care, like the cutting or removing of corns, calluses and toenails. But they do cover medically necessary podiatrist services for foot problems like hammertoes, bunion and heel spurs, along with exams, treatments and therapeutic shoes or inserts if you have diabetic foot problems. Overseas coverage: In most cases, health care outside of the United States is not covered by Medicare except for very limited circumstances – such as on a cruise ship within six hours of a U.S. port. But, Medigap supplemental plans D, G, M and N cover 80 percent of emergency care abroad, and some Medicare Advantage plans cover emergency care abroad too. The best way to fi nd out what Medicare covers is to talk to your health care provider, visit Medicare.gov/coverage and type in your test, item or service, or download the Medicare “What’s covered” app on the App Store or Google Play. And to look for Medicare Advantage plans that off er additional benefi ts visit Medicare. gov/plan-compare. Also keep in mind that even if Medicare covers a service or item, they don’t pay 100 percent of the cost. You will have to pay a monthly Part B premium (which is $135.50 for most benefi ciaries) and unless you have supplemental insurance, you’ll have to pay your annual deductibles and copayments too. However, most preventive services are covered 100 percent by Medicare with no copays or deductibles. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book. Member FDIC Member SIF VISIT US TO TALK ABOUT HOW WE CAN DO RIGHT BY YOUR BUSINES S 419 BROADWAY, EVERETT MA 02149 | 61 7 . 38 7 . 1 1 10 7 7 1 SALEM ST, LYNNFIELD, MA 01940 | 78 1 . 77 6 . 4444 EVERETTBANK . COM Of Saugus, formerly of Ever ett, entered int o eternal rest on Thursda y , February 20, 2020 in the Melrose Wakefield Hospital after a brief illness. She was 98 years old. Born in Revere, Olympia lived in Everett for most of her life before relocating to Saugus recently because of the opening of the Encore Boston Harbor of which she was proud to tell people at the casino that she lived right over there, across from the casino. Beloved wife of the late Anthony J. Sordillo. Dear and devoted mother of Dr. Anthony M. Sordillo of Maine and Jean M. Sordillo of Saugus. Sister of the late Ralph, Carmen, Louis and Emily Statuto, Helen Rosanio, Grace Ferrera, Phyllis Dello Russo and Lydia Rampelberg. Olympia is also survived by 3 loving Grandchildren, 5 GreatGrandchildren and 2 GreatGreat-Grandchildren and several nieces and nephews. Contributions in Olympia’s memory to the Leukemia & Lymphoma Society, 495 Old Connecticut Path, Framingham, MA 01701 would be sincerely appreciated. Robert “Bob” Galardi Of Nahant, formerly of Revere and Swampscott, passed away on February 25, 2020 at the age of 70. Beloved son of Sophie (Rizzo) Galardi of Revere and the late Guy. Devoted father of Eric Galardi and wife Kim of Marblehead, Marc Galardi and wife Olga of Swampscott, and their mother Ruthann Galardi of Swampscott. Cherished grandfather of Benjamin and Jack Galardi. Dear brother of Elaine Draper of Revere and Cheryl Dichappari of Burlington. Loving companion of Jacqueline Forster. Bob worked for the Carpenters Union, Local 33. In his free time, Bob was passionate about skiing with his family, and made many great memories on their weekend trips to Vermont. He will truly be missed by his family and friends. Funeral from the Paul Buonfi glio & Sons - Bruno Funeral Home, 128 Revere St., REVERE on Tuesday, March 3, 2020 at 9:00am, followed by a Funeral Mass at St. Anthony’s Church at 10:00am. Relatives and friends are kindly invited. A Visitation will be held on Monday from 4:00pm to 8:00pm. Interment will be in Holy Cross Cemetery. In lieu of fl owers, donations may be made to Vermont Adaptive Ski and Sport which enables youth and adults with disabilities to participate in adaptive sports. Donations may be made through their website: https://www.vermontadaptive.org/ways-to-give/ or may also be mailed to: PO Box 139, Killington, VT 05751. The checks should also note whose name the memorial is in. RIGHT BY YOU RIGHT BY YOU BUSINESS SPOTLIGHT JOE BONO owner of THE BERRY TAVERN, AL DENTE, BENEVENTO’S, AND BENCOTTO OVER 20 YEARS OF BANKING WITH EVERETT BANK “I can be myself and they can be themselves. Regular people doing business the right way.”
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