Understanding Medicare Part B Insurance

Comprehensive Coverage for Your Healthcare Needs



Medicare Part B

What is Medicare Part B?

Medicare Part B is an important part of the federal health insurance program. It covers medical services like doctor visits, outpatient care, lab tests, medical equipment, and some preventive services. At Sargent Insurance Agency, we provide clear guidance to help you understand how Medicare Part B works and how it can help you.

Medicare Part B covers a range of healthcare services. Here’s a breakdown of what it includes:

  • Outpatient Services: Visits to doctors, specialists, and medical professionals. Includes surgeries, diagnostic tests, and outpatient treatments.
  • Preventive Services: Routine screenings and vaccines like flu shots, mammograms, and colonoscopies.
  • Durable Medical Equipment (DME): Wheelchairs, walkers, oxygen equipment to support home health needs.
  • Mental Health Services: Counseling, therapy sessions, and psychiatric care.
  • Some Home Health Services: In specific cases, covers skilled nursing, therapy, and other in-home medical needs.

Medicare Part B usually requires a monthly premium. Costs may vary based on your income and enrollment timing:

  • Standard Premium: Typically deducted from Social Security benefits.
  • Income-Related Monthly Adjustment: Higher income may mean a higher premium.
  • Annual Deductible: A set amount you must pay each year before coverage begins.
  • Coinsurance: After meeting your deductible, you pay 20% of Medicare-approved costs.

  • Initial Enrollment Period: 7-month window around your 65th birthday.
  • Open Enrollment Period: October 15 to December 7 to change plans.
  • General Enrollment Period: January 1 to March 31 for late enrollment.
  • Special Enrollment Period: If you had employer-based coverage, you get an 8-month window post-coverage.

Navigating Medicare can be tricky. Our team at Top Choice Insurance Agency, PLLC in Arizona is here to assist you. Reach out for expert advice!

Understanding Medicare can be overwhelming, but our friendly team at Sargent Insurance Agency is here to help. We guide you through Medicare Part B options, premiums, and plans you may need.

We assist in comparing Medicare Advantage, Medigap, and other supplemental plans to ensure your coverage suits your lifestyle and healthcare needs.

Protecting what matters most starts with a conversation

Whether you’re looking for new coverage, updating your current plan, or have a few questions, we’re here for you. No pressure. No hassle. Just honest, friendly advice from a team that’s always nearby. Call us today or ask for a callback. We’re right down the road and ready to help.

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