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Speak to a Licensed Specialist About Medicare Part B

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Part B

When enrolling with Medicare, you get to enroll with Part A where your in-patient needs are covered like the hospitalization and home health care services. So, enrolling for Part B is also important to cover your other medical needs.

Medicare Part B covers some of your outpatient needs, unlike in Part A where only inpatient needs are covered.

What’s Covered

Part B covers outpatient needs like doctor’s services; other medical services that aren’t covered in Part A such as services of physical and occupational therapists; and home health care that is also not covered by Part A.

Other medically necessary services and supplies are also covered by Part B such as ambulance, lab services, diabetic supplies, doctor services, durable medical equipment, emergency room services, flu shots, screening mammograms, outpatient mental health services, tests, and certain transplants.

The Costs

When you choose to be enrolled with Medicare Part B, you would need to pay for its premium on top of the premium of your Medicare Part A.

You also need to shoulder the excess charges that you’ll incur, which are not covered by Part B. Some coinsurance and copayments will also need to be paid when incurred.

The Enrollment Process

Anyone eligible in Medicare and has Part A, can elect to enroll in Part B. Depending in some cases, you could be eligible for Part B right away and be automatically enrolled with your Part A.

In case the enrollment does not occur when the person is first eligible, they might be asked to pay a late enrollment penalty. Make sure you check on the details of enrollment to know the enrollment period.

Additional coverage options

We recommend getting supplement plans when enrolling for Part B, or even just enrolling for Part . This way, you’ll get the benefits of deductibles, coverage for excess charges and other copayments and coinsurances.

You may need to pay an additional premium, which might make your Medicare seem to be more expensive, but the savings that you will get in the long run is something that you should very much consider.

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