Part B

Medicare Part B

Medicare Part B covers outpatient care, including medical services and supplies that are medically required for certain health conditions. This can include outpatient care, durable medical equipment, preventive services, and ambulance services.

Medicare Part B covers most of the Medicare-approved costs of certain services. Most of the services provided by Part B are administered on an outpatient basis, which means the beneficiaries won’t receive the services medically required as a patient in a hospital, except on cases where the beneficiary needs ambulance services.

Medicare Part B also covers intermittent or part-time home health and rehabilitative services if required by a doctor to treat the beneficiary’s condition. Medicare Part B works the same no matter where the Medicare beneficiaries live. They will have the same coverage options and rules.

Medicare Part B Eligibility

Any Medicare beneficiary eligible for Medicare Part A is also eligible for Part B by enrolling in the program and paying a monthly premium. Those that are not eligible for premium-free Medicare Part A can still qualify for Part B. However, the beneficiary must be 65 years or older and must be a U.S. citizen or a permanent resident residing in the U.S for at least five consecutive years.

An individual can also qualify for automatic Part B through disability. If they are under 65 and receiving SSDI or Railroad Retirement Board disability benefits, they will automatically be enrolled in both Medicare Part A and Medicare Part B plan after two years of disability benefits. Those who have Amyotrophic Lateral Sclerosis (ALS) or End-Stage Renal Disease (ESRD) can enroll for Medicare Part B before reaching 65.

Enrolling in Medicare Part B

Those who qualify for Medicare through disability or already getting retirement benefits before age 65 will be automatically enrolled in Medicare Part B as soon as they become eligible. Medicare beneficiaries that do not enroll in their Initial Enrollment Period (IEP) can also sign up during the General Enrollment Period (GEP), which runs from January 1st to March 31st with coverage starting July 1st. However, the beneficiary may have to pay a late enrollment penalty for not signing up during the IEP.

Medicare Part B Premiums

This is a monthly fee that Medicare beneficiaries are required to pay for the insurance. Medicare Part B premiums can vary depending on the beneficiary situation and may change from year to year.

Those that are receiving Social Security, Federal Retirements, or Railroad Retirement Board benefits will have their Medicare Part B premium deducted directly from their monthly benefits, while others will be sent a bill every three months.

For more information about Medicare Part B, contact Senior Insurance Sales.

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