Medicare Part B is a key component of Original Medicare, designed to cover a wide range of outpatient and preventive medical services. While Medicare Part A focuses on inpatient hospital care, Part B ensures you’re covered for doctor visits, tests, and treatments that help keep you healthy and address medical concerns promptly.
Q: What does Medicare Part B cover?
Medicare Part B provides coverage for:
- Doctor Visits: Part B covers visits to primary care physicians and specialists for medical concerns, check-ups, and consultations.
- Preventive Services: This includes screenings, vaccines, and annual wellness exams to help detect and prevent illnesses early.
- Diagnostic Tests: Lab work, X-rays, MRIs, and other imaging tests necessary for diagnosing and monitoring health conditions are included.
- Outpatient Services: Surgeries, treatments, and procedures performed in outpatient clinics or ambulatory surgery centers fall under Part B.
- Mental Health Care: Outpatient counseling, therapy, and psychiatric evaluations are part of the coverage.
- Durable Medical Equipment (DME): Equipment like wheelchairs, walkers, and oxygen supplies are covered if prescribed by a doctor.
- Physical and Occupational Therapy: Rehabilitation services to recover from injury, surgery, or illness are also covered.
- Drugs Administered in a Clinical Setting: This includes chemotherapy, certain injections, and other medications given in a doctor’s office.
Q: What preventive services are included?
Preventive care is a vital part of Medicare Part B. Many preventive services are covered at 100%, meaning you won’t have out-of-pocket expenses. These include:
- Annual wellness visits
- Flu shots, pneumonia vaccines, and other immunizations
- Cancer screenings (e.g., mammograms, colorectal screenings)
- Screenings for diabetes, heart disease, and osteoporosis
By taking advantage of these services, you can stay ahead of potential health issues and maintain your overall well-being.
Q: What isn’t covered by Medicare Part B?
While Medicare Part B offers extensive coverage, there are some limitations. It doesn’t cover:
- Routine dental, vision, or hearing care
- Long-term care or custodial care
- Cosmetic surgery
- Most prescription drugs (these are typically covered under Medicare Part D or Medicare Advantage plans)
If these services are important to you, you may want to explore additional coverage options.
Q: How can I get started with Medicare Part B?
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