Medicare Part B
Medicare Part B is the part of Original Medicare that provides coverage for doctor visits and outpatient medical services. If you have been a legal resident for at least 5 years before turning 65, you qualify when you turn 65. You may also qualify if you are under age 65, and have been receiving Social Security Benefits or RRB disability for at least 24 consecutive months.
Medicare Part B Definition and Coverage
Medicare Part B is not required to have, but will provide much-needed coverage when you need it for outpatient medical services and doctor visits. Even though you may not feel obligated to attend doctor visits, it is crucial to your health.
- Ambulance services
- Durable medical equipment
- Mental health services
- X-rays and lab tests
- Certain outpatient prescriptions
- Provider services
- Screenings and vaccines
Medicare Part B Costs
There is a premium required for Part B. A premium is a monthly fee you must keep up with in order to continue to receive coverage. However, if you have a high income, you will most likely have to pay a higher premium. Premiums are also subject to change annually. The same can be said for the Part B annual deductible which must be paid before you can access the plan’s benefits.
Original Medicare and Other Options
Part B, alongside Part A, is a part of Original Medicare. Both of these plans offer the basic low-cost coverage you need to feel safe and secure. You must purchase Part A at the same time or prior to purchasing Part B.
If you have concerns about the coverage of Original Medicare, you can always consider an Advantage, Part D, or Medicare Supplement plan.
Get the Medicare Advice You Need with Medicare Detectives
Nothing is quite as satisfying as having your future taken care of. That’s why with Medicare Detectives, we provide excellent resources to make sure you get the coverage you need. To get started, give us a call or visit either of our offices in St. Charles, Missouri or Sarasota, Florida.