Medicare Part B: What is it?

When it comes to Medicare Part A through D there seems to be much confusion. Here's a look at the often misunderstood Medicare Part B.

Medicare Part B is put into place to cover some of the leftover expenses that Medicare Part A doesn't cover. After you reach the deductible, Medicare Part B will step in and pay the other 80% of the charge if it is a reasonable charge under the category of Medicare. Once they have paid 80 percent, then the name on the policy must step in and pay the other 20 percent.

Anyone that receives Social Security retirement or disability benefits for 2 years are automatically eligible to get Part B unless they decline. If you are eligible to receive Part A you are also eligible to receive Medicare Part B also unless you decide not to.

The list of services that are covered under Medicare Part B is very long so check with your local provider before you render these services. Some of the services are physician's services, ambulance rides, diabetes tests, mammograms, pap smears and breast exams are just a few.

Some items not covered by Medicare Part B are cosmetic surgery, dental surgery, plastic surgery and eyeglasses. As with any insurance always check with your doctor or physicians office before accepting any services. You don't want to get a service then find out it wasn't covered and you be billed for 100 percent.

Medicare Part B is based on your income. If you do not qualify within the income then will be denied Medicare Part B. Part B does have a monthly deductible that can be taken out of your bank account or with-held from your social security check each month.

Most individuals that you ask will tell you the same without Medicare Part A and B they wouldn't be able to go to the doctor and get services. Medicare B usually picks up the portion that Medicare Part A leaves behind so normally the owner of the policy ends up paying little or nothing out of pocket.

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