Medicare Part B is an essential portion of your healthcare plan after you have reached the age of 65. Medicare is available to all people who have paid Medicare insurance. You receive it automatically when you start getting your Social Security. There are four parts to Medicare. Medicare Part A and B are the main parts. Part D is an add-on to cover prescription drug costs. Part C is Medicare administered by private insurance companies and beyond the scope of this article.
There are three main pieces to health insurance coverage. There is coverage for inpatient services. There is coverage for inpatient and outpatient medical care, and there is coverage for prescription medication.
Part A is hospital insurance. It covers the costs associated with inpatient care that includes items like room and board along with nursing materials and supplies. It does cover fees charged by doctors for your medical treatment for illness, accident or surgery. Other health care professionals may also treat you, and except for general nursing, these costs are not covered.
Medicare B covers medical costs. That is, it covers medically necessary treatment and procedures. The setting does not matter. It can be inpatient or outpatient. You are still covered.
Payment for durable medical equipment is also covered. Wheelchairs and walkers are examples of durable medical equipment.
Finally, preventive health care is covered. This means that your flu shots are covered. Also, there are several early detection tests that are covered. Early detection tests are test to detect medical problems at the earliest stages. Diseases are more effectively treated if they are caught early.
So, the things you need to know about Medicare B are:
1. It pays for medical expenses.
2. It pays for durable medical goods
3. It pays for many preventive health care test
4. It does not cover hospital bills
5. It does not cover prescription medicine.