Medicare Part B

Medicare Part B covers normal outpatient medical services once you are admitted to a hospital. It also covers some homebound services carried out by physicians, skilled nurses, or therapists.

Medicare Part B Coverage

  • Doctor-ordered x-rays and lab tests
  • Provider services that are considered medically necessary
  • Home health services like skilled nursing or therapy care
  • Durable medical equipment that is appropriate for home use 
  • Emergency transportation by ambulance
  • Preventative services, like outpatient physical, speech, and occupational therapy
  • Some prescription drugs, such as immunosuppressants and select anti-cancer drugs

Chiropractic care is covered only when it is medically necessary to fix subluxation of the spine.


Medicare Part B Cost

There is a monthly premium for Medicare Part B. This premium is determined by the government and by your income level.

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Applying for Medicare Part B

If you have already started receiving Social Security benefits, then you will automatically be enrolled. You will get a card in the main by the month before your birthday.  

However, if you do not receive Social Security benefits, you must enroll yourself in Medicare Part B. You can enroll on the phone, online, or in person at your local Social Security office. Expect to receive your card within three weeks after you apply.

Medicare Part B Excess Charges

You may wonder what you are responsible for under Part B. 

Besides your specialized deductible, you will pay 20% of the leftover costs with no limits. You will also be responsible for any excess charges a facility or provider may charge beyond what Medicare offsets.

It may sound like this is out of your budget, but do not fear. There are Medicare Supplement plans that will fill in the coverage gaps left over by Part B.

Get Medicare Help in Texas

If you or someone you know is new to Medicare, consult an experienced agent. Ron Ray works hard to help his clients find the best coverage for both their budget and healthcare needs. Give Ron a call today at 830-217-6711  His office is located in New Braunfels, Texas.