Part B is one of two components that make up Original Medicare. Part B offers a wide variety of coverage and is used by many beneficiaries. Part B is intended to be paired with Part A so that the beneficiary has access to the two main areas of coverage that Medicare offers. Let’s discuss what Part B entails, so you can make an informed decision about whether or not you’ll enroll.
Medicare Part B Coverage
If you’re going to be using your insurance for anything outside of hospital care, you’ll most likely want to enroll in Part B. Many people rely on Part B for the many services it provides.
Part B offers coverage in two main areas:
- Medically necessary services
- Preventative services
Medicare has deemed medically necessary services to include the services or supplies that can be used in the treatment of a medical condition, as well as the diagnostic process. Preventative services include both diagnosing and preventing illness. Medicare’s dedication to its beneficiaries can be seen in the prioritization of preventative care and early detection.
There are other things included within Part B’s coverage, such as ambulances, clinical research, and mental health services. Some outpatient prescription drugs are covered, with many of the medications needing to be administered by a medical professional.
So, Do You Need Medicare Part B?
If you’re going to be using any of the services previously mentioned, it’s most likely best to enroll in Part B. Medical costs can be large and unexpected. Even if you’re not anticipating using your insurance within the coming year, medical changes can still happen and require treatment.
If you don’t qualify for premium-free Part A, you will need to enroll in Part B first. You will only be eligible to receive Part A if you’re enrolled in Part B. Most people who don’t qualify for premium-free Part A have not paid the necessary Medicare taxes. Enrolling in Original Medicare provides not only insurance but also the option to enroll in Medigap. Supplemental insurance can greatly reduce the beneficiary’s financial responsibility and is something that most people should consider.
Thinking About Medicare Part B?
If you have questions about Part B or are looking to enroll, make an appointment today. Our professionals are here to support you throughout your Medicare enrollment and can answer any questions you have. Working with an insurance agent is one of the best ways to select the right plan and fully understand its benefits.