Medicare Part B

Anyone who is eligible for free Medicare Part A is eligible for Medicare Part B by enrolling and paying a monthly premium. Medicare Part B premiums may change from year to year, and may be higher if your income is above a certain amount. Like Medicare Part A, you may be subject to a late enrollment penalty fee if you do not enroll during your initial enrollment period.

Medicare Part B Covered Medical Expenses

Medicare Part B provides coverage for the following medical expenses:

  • Doctor services
  • Inpatient and outpatient medical and surgical services, and supplies
  • Physical and speech therapy
  • Diagnostic tests
  • Durable medical equipment and other services

Your cost out of pocket for these medical expenses is 20% of costs, plus a once-a-year deductible of $185.

Medicare Part B Clinical Laboratory Test Coverage

Medicare Part B includes coverage for the majority of clinical laboratory tests, such as blood tests, urinalysis and more. These are typically covered for the full cost.

Medicare Part B Home Health Care Coverage*

Medicare Part B includes coverage for part-time or intermittent skilled care, home health aide services, durable medical equipment and supplies, and other services. Under Part B coverage, you will only be required to pay 20% of the cost of durable medical equipment, if required for your treatment.

*Part B only pays for home health care if you do not have Medicare Part A. If you have both Parts A and B, you’ll have 100 days of coverage for home health care under Part A. After 100 days, the remainder of the visits will be filed under Part B.

Medicare Part B Outpatient Hospital Treatment Coverage

Medicare Part B covers 80% of the costs of outpatient hospital treatment (after the $185 deductible). This includes services provided for the diagnosis or treatment of an illness or injury.

Medicare Part B Blood Transfusion Coverage

Medicare Part B covers 80% of the cost of blood (after the first 3 pints) when furnished by a hospital or skilled nursing facility during a covered stay.

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Last Updated 11/26/2018