what is included in medicare part B? Medicare Part B (medical insurance) is part of the original Medicare program and covers medical services and supplies that are medically necessary to treat your health condition. This can include outpatient care, preventive services, ambulance services, and durable medical equipment. It also covers home health services and part-time or intermittent rehabilitation, such as physical therapy, if requested by a doctor to treat your condition.
What is Medicare Part B and what is included in Medicare part B?
Medicare Part B is designed to help pay for most non-hospital medical coverage. Although technically optional, Part B is the coverage you’ll need if you don’t want to pay 100% of your doctor’s visits.
Moreover, Part B partly covers physical, speech, and occupational therapy, second opinions, some prescription medications, and some durable medical equipment (wheelchairs, sticks, scooters, etc.).
In addition to Medicare Part B’s monthly insurance premium of $ 148.50, there are also some out-of-pocket costs to deal with.
What Will You Pay Under Medicare Part B?
Medicare Part B costs:
- Part B is a premium for most people: You’re paying $ 148.50 a month
- Deductible annually: You pay $ 203
- Most physician services (including inpatient doctor services): You pay 20% of the visit cost
- Clinical Laboratory Services: You pay $ 0
- Durable medical equipment: pays 20%
- Preventive Care: You pay $ 0
- Part B joint payment: Depends on service
- Home Health Services: $ 0
- Higher-income earners pay a higher premium.
Although home health care services are fully covered at no cost to you, if you need durable medical equipment, you will need to pay 20% of the cost.
Read More: Is Medicare Part B Coverage Enough for Me?
What services does Part B not cover?
There are some services that Part B does not cover. If you need these services, you will need to pay for them out of pocket. Some examples of this include:
- Routine physical exams.
- Most of the prescribed medications.
- Dental care, including dentures.
- Most eye care, including eyeglasses or contact lenses.
- Hearing aids.
- Long-term care.
- Plastic surgery.
- Alternative health services such as acupuncture and massage.
If you want to cover prescription drugs, you can purchase a Medicare Part D plan. Part D plans are offered by private insurance companies and include most prescribed medications.
Additionally, Medicare Part C (Medicare Advantage) plans include all of the services covered by the original Medicare program plus some additional services like dentistry, vision, and even fitness programs. If you know that you will need these services frequently, consider a Part C plan.
Read More: Sign up for Medicare part ABC and D
Does Medicare Cover Emergency Room Visit Costs?
According to the Centers for Disease Control and Prevention (CDC), there were 136.9 million emergency room visits in 2015. This means that more than 43% of people visited the emergency room, according to the CDC.
There are many signs of a medical emergency, according to the U.S. National Library of Medicine. Signs that you may need to visit the emergency room include:
- Breathing problems
- Unstoppable bleeding
- Chest pain
- Sudden severe pain in the abdomen or elsewhere
Facial sagging or slurred speech could be a sign of a stroke, and you should seek immediate medical care, according to the Mayo Clinic.
How original Medicare covers the costs of the emergency room?
Medicare Part B (medical insurance) generally covers emergency room visits. You will generally be covered if you experience an injury, sudden illness, or illness that quickly gets worse. If you visit the emergency room in a non-emergency situation, you may not be covered. Your emergency room costs under Medicare might include:
Combined payment for an emergency room visit and a combined payment for hospital services (you may not know this co-payment amount until you get the bill)
20% of the approved Medicare amount for doctor visits
Part B applies to your deductible
Keep in mind that if you are admitted to the hospital for the same or related condition within three days of your visit to the emergency room, your visit will be considered part of your stay in the hospital. In this case, you generally won’t have to pay the co-payment for the emergency visit.
Does Medicare Part B cover doctor visits?
Medicare B covers two types of services.
- Medically necessary: These are services that a doctor uses to identify a medical condition and provide treatment when someone shows symptoms.
- Preventive service: This type of care helps prevent disease or infection early. They include flu screenings and vaccines. Examples of preventive screenings for adults include cholesterol screening, Pap smears, and mammograms.
Preventive services may be free of charge when the physician agrees to accept the assignment. This means the doctor has a contract to bill directly to Medicare.
Part B may also pay for other services, such as an ambulance, some prescription drugs, and medical equipment. People can check if their plan covers the test or service they need with your Medicare coverage.
Does Medicare Part B cover eyeglasses?
Medicare Part B (Medical Coverage) pays for corrective eyeglass lenses after cataract surgery with an intraocular lens implant.
However, this does not mean that your glasses are completely free. You pay 20 percent of the cost of your glasses, and the deductible Part B applies. Some of the conditions include:
You will pay additional costs for the upgraded tires
You must purchase eyeglasses from a Medicare registered supplier
If you lose or break these glasses, Medicare will not pay for the new glasses. Medicare pays only one new eyeglasses per age, for each eye that has had an operation. Therefore, if you have surgery to correct one eye, you can have a pair of glasses at that time. If you have cataract surgery in another eye at a later time, you may have a new pair of glasses.
How do I enroll in Medicare Part B?
People who already receive Social Security income benefits at the age of 65 do not need to register. The Social Security Office will automatically register you. You will receive your card in the mail one to two months before your 65th birthday.
Everyone else needs to apply for Medicare Part B themselves at age 65. You can apply for Medicare Part B online, over the phone, or in person at your local Social Security office. After applying, it will take two to three weeks before your card arrives, so you should plan to apply several weeks in advance of the time you will need coverage.
As you can see, it’s easy to subscribe to Part B. It is important to register for Part B during the initial registration period unless you have other reliable coverage. Otherwise, you will be penalized!
For more information about each of these application options, visit the Medicare application page.