Medicare Part B

Medical Insurance

Simply stated, Part B deals with Medical Insurance. It’s not the same as Part A which covers in-hospital care. Part B is for all the other times you see a doctor and more. It’s optional for Original Medicare but it’s built in to Medicare Part C. There’s a monthly charge for Part B and it’s deducted from your social security benefits. There’s a late enrollment fee if you don’t sign up for Part B when you’re first eligible for Part A (and at the time have no creditable health coverage)

Medicare Part B Includes, as Examples:
  • Doctor’s services: in the hospital, in the doctor’s office, from your doctor’s nurse, in any Medicare-approved medical or nursing facility, in the home
  • Outpatient hospital care: emergency room, clinic services, physical therapy, x-rays
  • Mental health care: inpatient, outpatient, partial hospitalization
  • Home health care: part-time skilled services
  • Durable medical equipment: wheelchairs, braces, casts and ambulance services
  • Preventive services: screenings, flu shots, annual wellness visits and more