By Lara Goulson, licensed independent insurance agent,
Goulson Insurance Services, Los Angeles
People arriving at Medicare with a chronic pain problem tend to assume the coverage question is how much. More often it is whether, and the answers are stranger and far more specific than anyone expects. Three of the most common pain treatments are handled three entirely different ways, and none of the three is intuitive. According to CMS (Centers for Medicare and Medicaid Services), coverage determinations for pain-related services depend heavily on the specific service, the setting, the diagnosis, and the documentation of medical necessity — and the rules governing each differ significantly from one another.









