Medicare Part B: The Basics

Medicare Part B is the medical insurance portion of Original Medicare, which is administered by the Federal government.

Medicare Part B covers medically necessary services and supplies to treat Medicare approved conditions. It covers treatment and many preventive services.

Medicare Part B helps pay the bills for the care you receive from a doctor in a clinic or hospital as an outpatient. Medicare Part B, also covers most of the doctor services you receive as a hospital inpatient. The remaining hospital services are covered by Medicare Part A.

Here is a list of some of what Medicare Part B services include.

  • Doctor visits (includes annual Wellness Visits)
  • Outpatient medical services
  • Clinical laboratory tests
  • Diagnostic testing (ex. X-ray, CT scan, MRI, EKG)
  • Skilled nursing care
  • Ambulance and Emergency Room services
  • Durable medical equipment for home use (ex. walkers, wheelchairs, oxygen equipment)
  • Outpatient mental health care

How Much Does the Medicare Part B Plan Cost?

Medicare Part B has a monthly premium that is typically deducted from your monthly Social Security check. If you are not claiming Social Security benefits yet, then it is up to you to send the monthly premium payment to Medicare to assure that you get full access to the services and benefits. Medicare Part B also has an annual deductible that you are responsible for and it changes annually, this year the deductible is $183. Once you meet the deductible, Medicare Part B will pay 80% of Medicare approved services at providers that accept Medicare assignment and you are generally responsible for the 20%.

Contact SeniorChoices NW to learn more about what Original Medicare covers and whether you would like additional coverage.

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