How to know if you qualify for Medicare Part B?

Medicare Part B was created to fill some of the gaps that existed in the Part A coverage. Under this program once you meet the amount of the annual deductible, this covers the remaining 80% of the cost of any reasonable charge for services covered by the program. This means that the patient will pay the remaining cost of services from the health care provider. This can mean as little as 20% cost, but sometimes more depending on how much of the procedure Medicare agrees to cover.

 

You pay nothing for most preventive services if you get the services from a health care provider who accepts assignment.  Part B covers things like:

  • Clinical research  
  • Ambulance services
  • Durable medical equipment

Mental health

  • Inpatient
  • Outpatient
  • Partial hospitalization
  • Getting a second opinion before surgery
  • Limited outpatient prescription drugs

 

 

Who qualifies for Medicare Part B?

Any person who qualifies for Medicare Part A will qualify for Part B coverage. If you qualify for Part A you will be automatically enrolled in the program unless there is a reason for them to decline coverage. Otherwise you must put in an application with the Social Security office. If you choose not to accept automatically given coverage you may opt out of the Part B program.

How can I be sure that I will be eligible for Medicare Part B?

People who qualify for Medicare Part B are the same people who qualify for Part A. The requirements are that you are age 65 or older, and a citizen if the United States or a permanent resident. People who receive railroad retirement benefits also qualify, as well as those who have had a government job for a qualifying period of time and their spouses. Also the divorced spouses and widows or widowers of qualifying government employees will qualify. If you meet these requirements then you are eligible for Medicare Part B. You are also eligible if you have a qualifying disability. There are several disabilities that are covered on this plan and Medicare Part B can help to cover the medical expenses associated with the disability.


 

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