Medicare shapes the foundation of healthcare coverage and its associated benefits for people at the age of 65 or more, giving them all the opportunities to enable a fully independent and healthier life.
Medicare doesn’t work similar to traditional health insurance plans and thus, to simplify the process, we’ve rounded up all the information about what Medicare Part B covers, eligibility requirements, and enrollment procedure.
Medicare’s alphabetical parts can be perplexing. In a nutshell, Medicare Part B is a part of Original Medicare and covers all the necessary medical supplies and equipment to treat the health problems. Moreover, it covers preventive care and services like screenings, vaccination, and mental health counseling. Part B can help a person to keep up with annual checkups and timely wellness visits, combined with perks like flu shots that may safeguard a person from getting ill.
If the Medicare concept seems difficult to understand, don’t panic, you’re not alone. The information you gather in this guide will make things easier for you. So let’s get started!
What does Medicare Part B Cover?
Medicare Part B covers 80% of permitted costs of some services which are often administered on an outpatient basis. If you own a Medicare Advantage Plan, you will get both Part A and Part B coverage through a private health insurance agency affiliated with Medicare. Under the law, Medicare Advantage Plans are required to offer at least the same level of coverage as Original Medicare such as routine dental, vision, hearing, and prescription drug benefits. Home Health Services Medicare Part B may include:
- Doctors’ visits that are essential or preventive
- Medically necessary outpatient hospital care, including emergency room services and same-day surgical procedures.
- Some vaccines like the annual flu shot
- Hepatitis B vaccine, if there is a medium or high risk
- Screenings and tests for several health conditions
- Durable medical supplies and equipment
- Laboratory tests
- Mental health services
- Preventive visits
- Ambulance services
- Part-time or intermittent home health and rehabilitation services
Eligibility Criteria for Medicare Part B
In order to be eligible for Part B must be at least 65 years of age. Anyone who is owning premium-free Medicare Part A can obtain benefits of Medicare Part B by enrolling and paying a premium on a monthly basis. A person is qualified for the plan under the following requirements:
- He/she must be 65 years of age or older.
- He/she must be a U.S. citizen or a permanent U.S. resident living for at least 5 consecutive years.
You may also qualify for this plan when having any disability. A person under 65 years of age is also eligible if he/she receives Social Security and Railroad Retirement Board (RRB) disability benefits for at least 24 months. People with end-stage renal disease (ESRD) are also eligible for this plan, irrespective of their age.
When Can a Person Enroll in Medicare Part B?
If you’re already getting retirement benefits before 65 years of age or qualify for the plan through disability, you will automatically get enrolled in Medicare Part A and Part B when you become eligible.
If you don’t become a part of it during the enrollment period and aren’t permitted for a Special Enrollment Period, you can opt for it during the General Enrollment Period that runs from January 1 to March 31, alongside coverage beginning July 1.
If you have amyotrophic lateral sclerosis (ALS), you can sign up for the plan as soon as your Social Security Disability Insurance goes into effect.
You can consider using the 5-star Special Enrollment Period to transition from your existing Medicare plan to a high-quality Medicare program based on the information, surveys, and results. You need to pay an annual deductible and monthly premium to reap the benefits of Medicare Part B.
Read Continuously about Healthcare:- Medicare Part A