This is what Medicare Part B costs and covers in 2019

<p class = "canvas-atom-canvas-text Mb (1.0em) Mb (0) – sm Mt (0.8em) – sm" type = "text" content = "Those who are 65 or older rely on Medicare for the health care coverage they need. But it is difficult to maintain Medicare because of all its parts under one umbrella. Traditional health insurance in parts A and B is what many choose, but part C Medicare Advantage coverage is available as an alternative, and part D drug insurance "Data-reactid =" 11 "> People aged 65 and over rely on Medicare for the health care coverage they need, but it's hard to maintain Medicare because of all of its Traditional Medicare Many people choose Medicare in Parts A and B, but Part C coverage of Medicare Advantage is an alternative and coverage of Part D prescription drugs is an additional option.

<p class = "canvas-atom web-text Mb (1.0em) Mb (0) – sm Mt (0.8em) – sm" type = "text" content = "But do not let the alphabet cover soup The options you bewilder. how all parts of Medicare fit together by learning what you can about each type of coverage. Below, we will look at Medicare Part B and the medical coverage it offers. "Data-reactid =" 12 "> But do not be distracted by the list of coverage options, you'll have a good idea of ​​how the different parts of Medicare are getting together by learning what you can about each type of We will review Medicare Part B and the medical coverage it provides.

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The basics of Medicare Part B coverage

Medicare Part B covers medically necessary outpatient services and treatments. Qualification events include what is needed to treat a disease or condition, including diagnosis, cure, prevention, or detection. Physician visits are covered by Part B of Medicare, but you will find a wide range of services including diagnostic tests, ambulance services, clinical research, durable medical equipment, health services mental and even a second opinion on key issues such as surgery.

New Medicare participants receive a one-time preventive visit "Welcome to Medicare". There, a doctor will review your medical history and work with you to collect key health information. You will get a vision test, measurements of height, weight, blood pressure and body mass index, as well as an assessment of the risk of depression. You will also get a written plan in which your doctor will review all the services needed to prevent more serious health problems. After the first visit, you will also qualify for annual reviews to maintain your well-being.

However, there are things that Part B does not pay. In particular, dentures and most dental care are not covered, nor are hearing aids exams. You can not usually get coverage for eye exams related to the prescription of glasses or contact lenses.

<p class = "canvas-atom canvas-text Mb (1.0em) Mb (0) – sm Mt (0.8em) – sm" type = "text" content = "It can be difficult to know what is covered and what who is not, but Medicare is trying to make it easier. Medicare website will tell you if you can get coverage for a given test, service or medical device. Your doctor or other health care provider should also be able to know if Medicare will support the recommended treatment. "Data-reactid =" 29 "> It can be hard to know what is covered or not, but Medicare is trying to make it easier.This tool on the Medicare website will tell you if you can get coverage for a test, a service or a given medical device. Your doctor or other health care provider should also be able to know if Medicare will cover the recommended treatment.

Costs for Medicare Part B

<p class = "canvas-atom-text-canvas Mb (1.0em) Mb (0) – sm Mt (0.8em) – sm" type = "text" content = "Medicare participants must pay a monthly premium for the game Cover B. For 2019, the premium that most members will pay is $ 135.50 per month Only a small number of people will be eligible for lower payments under what is known as harmless dispositionbecause substantial increases in social security payments for cost-of-living adjustments more than offset higher Medicare premiums. "data-reactid =" 31 "> Medicare participants must pay a monthly premium for Part B coverage. For 2019, most participants will pay $ 135.50 per month, but only a small number of people will be able to claiming lower payments under the so-called suspension clause, as substantial increases in social security payments for cost-of-living adjustments largely offset the rise in Medicare premiums.

However, if you are a high-income taxpayer, you may have to pay higher premiums for Part B coverage. Depending on your income, premiums can reach $ 428.60 per month.

Source of data: Medicare. Note: Married persons who report separately and who lived together at any time of the year pay $ 433.40 if their income is between $ 85,000 and $ 415,000, or $ 460.50 if their income is greater than $ 415,000.

There are also deductibles and coinsurance amounts for Part B Medicare. In 2019, the Part B deductible is $ 185 per annum. Once you have paid that amount out of your pocket, Medicare starts providing coverage and you will only have to cover the 20% of your costs that Part B does not support. In addition, with some preventative services, Part B pays everything.

Stay healthy

For doctor visits and other outpatient care, Medicare Part B is an essential part of your financial protection plan. Given the high costs of health care, Part B can save your life, both in health and in financial terms.

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