Medicare Part B

Medicare Part B, as well as Part A, are a part of Medicare Original. This means that it is provided to those eligible by the federal government. If you are eligible, you may not have to apply for coverage. You are automatically eligible for Part B if you:

Are receiving or will receive benefits from Social Security or the Railroad Retirement Board (RRB) at least four months before you turn 65
Are under 65 and have received disability benefits from Social Security for 24 months or more
Are under 65 and have received certain disability benefits from the RRB for at least 24 months
Have ALS (Amyotrophic Lateral Sclerosis/Lou Gehrig’s disease)

However, you will need to sign up for Part B coverage if you:

Won’t receive Social Security or RRB benefits at least four months before turning 65
Have End-Stage Renal Disease (ESRD)

How much does Medicare Part B cost?

The standard monthly premium for 2020 is $144.60 but can change depending on the IRS tax return and Income Related Monthly Adjustment Amount (IRMAA). The fee is automatically deducted from social security, railroad retirement board, or office of personnel management benefits. If you do not receive these benefits, you will need to pay the bill yourself.

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We are not connected with or endorsed by the United States government or the federal Medicare program.

What does Medicare Part B cover?

In general, Part B covers medically necessary services. This includes medically-acceptable services or supplies needed to treat health conditions. Part B also covers preventative services, including any care required to prevent or detect illnesses such as the flu. More specifically, Part B includes:

Clinical research
Ambulance services
Durable Medical Equipment (DME), including canes, blood sugar monitors, etc.
Mental health care
Inpatient care, outpatient care, and partial hospitalization
Limited prescription drugs

Coverage is also dependent on federal and state laws, national decisions regarding Medicare, and local decisions made by claim processing companies. If you are unsure if Part B covers something, ask your doctor or health care provider or search for the item or service you need on Medicare’s website.

Interested in your coverage options? Call us now!

We’re here to provide you with comprehensive insurance that is best for you. If you would like to know more and discover even more coverage options to fit your needs, contact us at (912) 412-0244.