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Medicare Part B

Most people have to pay a premium for Part B. You pay the Part B premium each month. Most people will pay up to the standard premium amount. The Part B premium can also be paid every quarter or through the electronic payment option, or Medicare Easy Pay.

Medicare Part B is a medical insurance provided by the federal government to eligible beneficiaries. Part B helps cover medically-necessary services like doctors’ services, outpatient care, home health services and other medical services.

Medicare Part B covers many services, tests, preventive treatments, etc. that are common among health care patients, but are not covered in the Part A plan. Though many services and products are covered, Part B is still not a 100% insurance coverage plan. So, as with any other insurance policy, you should understand the plan and coverage completely upon enrolling. Part B helps cover only the medically necessary services.

Part B covers two basic types of services:

• Medically-necessary services — Services or supplies that are needed to diagnose or treat your medical condition and that meet accepted standards of medical practice.

• Preventive services — Health care to prevent illness (like the flu) or detect it at an early stage, when treatment is most likely to work best.

Overall, Part B will provide additional coverage to help minimize your health care insurance worries. Whatever health care insurance coverage you choose, make sure you have a clear understanding of options, coverage, and premiums.