Medicare Part B

Medicare Part B covers medical services and supplies.  Part B is most like traditional health insurance in that it covers the cost of common health services such as doctor visits, lab tests, surgeries, and other medical exams.  Additionally, it also covers the cost of medically necessary supplies and items such as wheelchairs, walkers, crutches, scooters, and other needed accessories.

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The coverage provided by Part B is only guaranteed if you are receiving your medical coverage from Medicare.  If you have a Medicare Advantage plan, your provider is required by law to provide at least the same amount of coverage as Medicare, but your qualifications or requirements to receive services or supplies might be different.

Coverage Specifics

Medicare Part B covers the cost of all medical services, including preventative services, and supplies needed to prevent or cure any medical issues.  These services may include:

  • Doctor’s visits
  • Lab Tests
  • Research and Trials
  • Ambulance needs
  • Medical Equipment (wheelchair, walkers, etc)
  • Mental health services (inpatient and outpatient)

There are many specifics about what Medicare Part B will and will not cover.  Consult your medical provider to make sure your needs will be covered by Medicare before ordering or accepting any tests or medical services.

Coverage in Your Area

Medicare coverage differs by state.  Federal laws require that Medicare cover a bare minimum of medical services, but each state is allowed to set detailed requirements as to which services and supplies they will pay for.  You will benefit from doing research on your specific state coverage and making sure that your needs will be taken care of.

Obtaining Medicare Part B Coverage

Enrollment for Medicare varies for each person.  Some people will automatically qualify for Medicare coverage, and others need to apply.

Automatic Enrollment

You will be automatically enrolled for Medicare if you meet any of the following requirements:

  • You receive benefits from the Social Security or Railroad Retirement Board (RRB)
  • You have a disability and are under the age of 65
  • You have Lou Gehrig’s Disease
  • You receive Social Security or RRB benefits and live in Puerto Rico

Manual Enrollment

You will need to enroll yourself once you turn 65 if you meet any of the following requirements:

  • You do not receive Social Security or RRB benefits
  • You are not disabled
  • You have End-Stage Renal Disease
  • You receive Social Security or RRB and live in Puerto Rico and want to sign up for Part B

Signing Up for Medicare Part B

To sign up for Medicare Part B, visit your local Social Security office or call 1-800-772-1213.

Cost of Medicare Part B

Medicare Part B works very similarly to traditional health insurance in that you pay a monthly premium and are then allowed to receive medical services.  Most people pay the same amount; however the monthly premium is based on your adjusted gross income.  Therefore, some people will pay more than others.

Part B

In addition to the monthly premium, you will be required to meet an annual deductible of $147 each year.

Learn More

If you are interested in obtaining Medicare Part B coverage or want to compare it to the services provided by a Medicare Advantage plan, fill out your zip code in the form to find a Medicare Advantage provider who can help you compare the different coverage and services provided, as well as compare costs.  Find out which service is best for you and get medical coverage today.

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