Medicare Part B
Part B covers outpatient care, doctor services, and some preventive health services.
What is Medicare Part B
Medicare Part B is known as medical insurance and covers outpatient care. It includes doctor visits, preventive services, lab tests, X-rays, and mental health services. Part B also covers durable medical equipment like wheelchairs and walkers when medically necessary. Most people pay a monthly premium for Part B, which is based on their income level. There is also an annual deductible and typically a 20% coinsurance for most services. Preventive services such as flu shots, cancer screenings, and wellness visits are often fully covered. Part B is optional but recommended to avoid late enrollment penalties. It plays a crucial role in covering the day-to-day healthcare needs of Medicare beneficiaries. Many people enroll in both Part A and Part B to get full Original Medicare coverage. Part B does not cover prescription drugs, dental, vision, or hearing services.
Medicare Part B 101
Additionally, Medicare Part B coverage includes outpatient procedures performed in hospitals or ambulatory surgical centers, such as cataract surgeries and colonoscopies. Coverage also extends to services provided by physical therapists, occupational therapists, and speech-language pathologists, as long as they are medically necessary and ordered by a doctor.
It covers diagnostic imaging services like CT scans, MRIs, ultrasounds, and mammograms to help identify health issues early. Part B also provides coverage for ambulance services when transportation is medically necessary and other transportation could pose a risk to health. Outpatient mental health services such as therapy visits, psychiatric evaluations, and certain partial hospitalization programs are included under Medicare Part B.
Medicare Part B helps pay for medical supplies like diabetic testing strips, glucose monitors, and insulin pumps used for managing diabetes. It also covers chemotherapy and radiation treatments administered in outpatient settings, significantly helping beneficiaries undergoing cancer treatment. Beneficiaries are encouraged to verify whether their healthcare providers accept Medicare assignment, meaning they agree to Medicare’s approved amount as full payment, to avoid additional charges. Beneficiaries enrolled in Original Medicare may choose a supplemental Medigap policy to cover the remaining coinsurance, deductibles, and other out-of-pocket costs associated with Part B.
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