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Medicare Part B

Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services.

What is Medicare Part B?

While Medicare Part A covers hospital stays, the purpose of Medicare Part B is to provide doctor and outpatient service coverage. It will cover qualifying visits to the doctor, lab tests, diagnostic screenings, ambulance transportation, medical equipment, and other types of outpatient services.

The Premiums

In 2021, the monthly premium for Part B is $148.50. If you have an income greater than $88,000 annually, you may have to pay a higher premium. Monthly premiums are taken directly out of your Social Security check if you’re already collecting social security. Additionally, there is an annual deductible associated with Part B. The amount for 2021 is currently $203. Additionally, you still have to pay 20% of the health care bills from outpatient services, such as visits to your doctor.

Medicare is complex, and it can often be difficult to know exactly what you need and what’s covered. Take your time to explore all of the different elements of Medicare and figure out which options you need to enroll in and when.

Resources: https://www.medicare.gov

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Medicare: Things to consider

  • What are the costs?
  • What does the plan cover?
  • How does it effect other coverages?
  • Do you need to join a Medicare Prescription Drug Plan?
  • What are the Doctor and Hospital coverage options?
  • What is the quality of care?
  • Does it include travel coverage?
  • How does Medicare work?
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