Medicare Part B is the part of Original Medicare that helps cover outpatient medical services, including doctor visits, preventive care, and necessary medical treatments. Whether you need routine checkups or specialized care, Part B ensures you have access to important healthcare services.

Medicare Part B covers a range of essential medical services, including:

✅ Doctor Visits – Routine checkups, specialist visits, and outpatient care.
✅ Preventive Services – Screenings, vaccines, and wellness exams to keep you healthy.
✅ Outpatient Care – Services received outside of a hospital stay, including urgent care.
✅ Durable Medical Equipment (DME) – Items like wheelchairs, oxygen tanks, and walkers.
✅ Lab Tests & Imaging – Blood work, X-rays, MRIs, and other diagnostic tests.
✅ Mental Health Services – Therapy, counseling, and psychiatric care.

Part B does not cover routine dental, vision, hearing, or prescription drugs—these require additional coverage.

Unlike Medicare Part A, Medicare Part B requires a monthly premium. The standard premium is set annually and may be higher for individuals with higher incomes.

💲 Monthly Premium – Most people pay the standard Part B premium set by Medicare.
💲 Annual Deductible – A set amount you pay each year before Medicare starts covering costs.
💲 Coinsurance – After meeting your deductible, Medicare typically covers 80% of services, leaving you responsible for 20% of approved costs.

Understanding these costs can help you budget for healthcare expenses.

You are eligible for Medicare Part B if you:

✔️ Are 65 or older and eligible for Medicare.
✔️ Have received Social Security Disability Insurance (SSDI) for 24 months.
✔️ Have End-Stage Renal Disease (ESRD) or ALS (Lou Gehrig’s disease).

If you’re already receiving Social Security benefits, you may be automatically enrolled in Part B. If not, you’ll need to sign up during your Initial Enrollment Period (IEP) to avoid late penalties.

Enrolling at the right time is important to avoid penalties. Here are key enrollment periods:

📅 Initial Enrollment Period (IEP) – A 7-month window around your 65th birthday.
📅 General Enrollment Period (GEP) – January 1 – March 31 each year (if you missed IEP).
📅 Special Enrollment Period (SEP) – Available if you have qualifying circumstances, like employer coverage ending.

Not sure when to enroll? Susie can help you understand your timeline and avoid late enrollment penalties.

If you’re still working and have employer-provided health insurance, you may be able to delay enrolling in Part B without a penalty. However, if your employer has fewer than 20 employees, Medicare may be your primary coverage, meaning you need to enroll in Part B to avoid gaps in coverage.

Navigating Medicare can be confusing, but you don’t have to do it alone. Susie Compian is here to help you understand your options and make informed decisions about your healthcare.

📞 Call Today to discuss your Medicare needs.
📩 Email Susie for personalized guidance.

📌 CALLING THE NUMBER ABOVE WILL DIRECT YOU TO A LICENSED INSURANCE AGENT.
📌 NOT AFFILIATED WITH OR ENDORSED BY THE GOVERNMENT OR FEDERAL MEDICARE PROGRAM.