Medicare Part B

Medicare Part B

Medicare Part B is part of the original Medicare, and it is also referred to as ‘medical insurance.’ Medicare Part B is not free, so you will have to pay a monthly premium for it. However, let’s take a look at what Medicare Part B covers.

What Medicare Part B Covers

Generally, Medicare Part B only covers medically necessary services and supplies needed to diagnose and treat a health condition. However, it also includes some preventative care.

Medically Necessary Services and Supplies

Medicare Part B covers medically necessary services like home health services, doctor’s tests, treatments, durable medical equipment, and outpatient care.

Other medical services covered by Medicare Part B which may be subject to co-pay and deductibles include;

  • Ambulance services
  • Chiropractic services (limited)
  • Kidney dialysis supplies
  • Diabetes supplies
  • Emergency department services
  • Eyeglasses (limited)
  • Physical therapy
  • Mental health care
  • Medical nutrition therapy services
  • Surgical dressing services, and many more.

Preventative Care

For Medicare Part B, you usually won’t pay extra money for preventative care. Below is a list of preventative care covered by the medical Part B. However, please note that services not listed here may also be available.

The preventative services covered are;

  • Mammograms
  • Cancer screenings
  • Depression screenings
  • Diabetes screenings
  • Cardiovascular disease screenings
  • Flu shots
  • HIV screenings
  • Pneumococcal screenings
  • Misuse of alcohol screenings
  • Bone mass measurements
  • Hepatitis B shots
  • …and many more

What Medicare Part B Will Not Cover

Most dental care are not covered under any part of Medicare. Cosmetic surgery, hearing aids, concierge services, and acupuncture are not covered by Medicare Part B or any other Medicare Part.

Also, many people do not know that Medicare Part B or any other Medicare Part will not cover long term care. Long term care refers to non-medical care that is related to daily living activities. For instance, later in life, many seniors will need help with bathing, dressing, making meals, and using the restroom. Medicare does not cover this type of care.

Medicare Part B covers a part of the costs for skilled nursing home care, but only after a minimum of 3 Days in-patient hospital stay. Many seniors usually need skilled nursing home care but do not meet up with the minimum in-patient requirement. So, this means you can not count on Medicare to cover home nursing care or long term care expenses.

Who Is Eligible For Medicare Part B?

Anyone eligible for the premium-free Medicare Part A will also be eligible for the Medicare Part B. However, if you are not qualified for Medicare Part A, you can register for Medicare Part B by meeting the following requirements;

  • You must be 65 years and above
  • You must be a citizen of the U.S or a permanent resident that has been lawfully residing in the U.S for five years consecutively.

You may also qualify for Medicare Part B through disability. So, if you are below 65, and you’re receiving social security or Railroad Retirement Board (RRB) disability benefits, you will be automatically signed up for Medicare Part A and Part B after receiving disability benefits for 24 months.

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