Medicare Part B

Medicare Part B covers medically needed services or preventative services. 

Without a Medicare Supplement plan, you will have a deductible, premium, copays, and coinsurance.

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What does Medicare Part B cover?

  • Medically necessary services: Services or supplies needed to diagnose or treat you.
  • Preventive services: Health care to prevent illness or detect it at an early stage.

Cost for Medicare Part B

In 2020, Medicare Part B’s premium is $144.60 and has a deductible of $198. These usually change every year. 

You will also be charged 20% of the costs of care that Part B covers.

There are insurance plans called Medicare Supplements that cover a percentage or all Part B costs depending on your eligibility.


How to enroll in Part B

If you get benefits from Social Security or the Railroad Retirement Board at least four months before you turn 65 you are automatically enrolled in Part B. 

If you’re eligible for Medicare due to a disability, you’ll be automatically enrolled if you have received disability benefits from Social Security for 24 months or certain disability benefits from the RRB for 24 months. 

Anyone with ALS (Lou Gehrig’s disease) is automatically enrolled the month their disability benefits begin. 

Everyone else has to enroll manually. 

You can enroll in Medicare at www.socialsecurity.gov, by calling them at 1-800-772-1213, or in person at your local Social Security Office.