jayashis7

· 24 Feb 2022

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What is medicare part B?

Medicare is a federal health insurance program. Those who are 65 years of age and above and who come under other specific groups can join this insurance program. Part B is a part of Medicare itself.

Medicare Part B is part of Medicare itself and benefits from medical insurance can be obtained from it.  It can be used for various outpatient services.

What is medicare part B?

Part A and Part B are only parts of Medicare insurance. As of 2016, 67% of people using Medicare were enrolled in Original Medicare. Part B covers a vast range of medically necessary outpatient services.

What does it cover?

Here are few services covered by part B are:

● Emergency ambulance transportation
● Chemotherapy
● Durable medical equipment (wheelchairs, Walkers and oxygen equipment)
● Emergency room care
● Kidney dialysis
● Laboratory testing (blood tests and urinalysis)
● Occupational therapy
● Other testing (imaging tests and echocardiograms)
● Outpatient hospital and mental health care
● Physical therapy
● Transplants

Part B also covers some preventative services as well.

● Bone density measurements
● Cancer screenings (for breast, colorectal and prostate cancers)
● Cardiovascular screenings
● Diabetes screenings
● Hepatitis B, Hepatitis C and HIV screening
● Sexually transmitted infection (STI) screening
● Vaccinations for Flu, Hepatitis B and pneumococcal disease.

Services are not covered by part B

Some services that are not covered by Part B will require you to pay out-of-pocket.

Examples are -

● Routine physical examination
● Prescription drugs
● Dental Care and dentures
● Eye care (eyeglasses or contact lenses
hearing aids)
● Long term care
● Cosmetic surgery
● Other health services (acupuncture and massage)

Eligibility for Medicare part B

Groups are eligible for part B

● 65 age and older
● Disable People
● End-stage renal disease

To be able to enroll in Medicare for the first time, a person must apply for a premium-free Part A to be eligible for Part B as well. People often pay Medicare taxes despite having a job. Applying for Medicare for the first time requires you to be eligible for premium-free Part A in order to be eligible to enroll in Part B.

About automatically enrolled

● People who are 65 years of age.

● Receiving retirement benefits from the Social Security Administration or the Railroad Retirement Board.

● Disabled under 65 years of age.  

● Those who have been receiving disability benefits from the Social Security Administration and Railroad Retirement Board. for 24 months.

● Individuals with Amyotrophic Lateral Sclerosis who are receiving disability benefits.

Conclusion

Medicare part B is the section of Medicare that covers medically essential for outpatient services. It also covers certain precautionary services. It's a division of the initial Medicare. Those who are 65 or older, have a disability or have an ESRD are eligible for Part B.  Part B costs include monthly premiums, deductibles and coinsurance or copay. Some services that may not be covered by Part B may have to be paid out-of-pocket.