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Home https://server7.kproxy.com/servlet/redirect.srv/sruj/smyrwpoii/p2/ Health https://server7.kproxy.com/servlet/redirect.srv/sruj/smyrwpoii/p2/ Here's What Medicare Part B Costs and Covers in 2019 – The Motley Fool

Here's What Medicare Part B Costs and Covers in 2019 – The Motley Fool



Those who are 65 or older rely on Medicare for the healthcare coverage they need. But it's tough to keep Medicare straight because of all the parts it has under a single umbrella. Traditional Medicare under Parts A and B is what many choose, but Part C Medicare Advantage coverage is available as an alternative, and Part D prescription drug coverage is an additional option

But do not let the alphabet soup of coverage options confuse you. Instead, get a good sense of how all of Medicare's parts fit together by learning what you can about each type of coverage. Below, we'll look at Medicare Part B and the medical coverage that it offers.

 A person in a white coat holding a stethoscope in a hallway with various people in it

Image Source: Getty Images

The basics of Medicare Part B coverage

Medicare Part B covers medically necessary outpatient services and treatments. Qualifying events include what is necessary to deal with a disease or medical condition, including diagnosis, cure, prevention, or detection. Doctor visits are covered under Medicare Part B, but you will find a wide range of services that include diagnostic tests, ambulance services, clinical research, durable medical equipment, mental health services, and even second opinions on key issues such as surgery [19659002] New Medicare participants receive a one-time "Welcome to Medicare" preventive visit. There, a doctor will look at your medical history and work with you to gather key health information. You will get a vision test, measurements of height, weight, blood pressure, and body mass index, and an assessment of depression risk. You will also have a written plan in which your doctor will go through any necessary services you will need to prevent larger health problems. After the first visit, you will also qualify for annual checkups to maintain your wellness.

However, there are some things that Part B does not pay for. In particular, dental care and dental care are not covered, nor are hearing-aid examinations.

It can be hard to know what's covered and what's not, but Medicare is trying to make it easier. This tool on Medicare's website will tell you whether you can get coverage for a given test, service, or medical device. Your doctor or other healthcare provider should also be able to find out if Medicare will cover their recommended treatment

Costs for Medicare Part B

Medicare participants have to pay a monthly premium for Part B coverage. For 2019, the premium that most participants will pay is $ 135.50 per month. Only a small number of people will qualify for lower payments under what is known as the hold-harmless provision, because substantial increases to Social Security payments under cost-of-living adjustments have largely caught up with rising Medicare premiums

However, if you are a high-income taxpayer, then you may have to pay higher premiums for their Part B coverage. Depending on your income, the premiums can be as much as $ 428.60 per month.

Ordinary members with this income:

Total monthly premium in 2018 will be:

$ 85,000 to $ 195,000 to $ 214,000

$ 170,000 to $ 214,000

$ 175,000 to $ 215,000

$ 196,000 to $ 160,000

$ 170,000 to $ 133,000

$ 21,000 to $ 267,000

$ 270,000 to $ 500,000 [19659017] $ 320,000 to $ 750,000

$ 433.40

Over $ 500,000

Over $ 750,000

$ 460.50

Data source: Medicare. Notes: Married persons who have been living together at any time during the year pay $ 433.40 if their income is $ 85,000 to $ 415,000, or $ 460.50 if their income is more than $ 415,000.

There are also deductibles and coinsurance amounts for Medicare Part B. In 2019, the Part B deductible is $ 185 per year. After you pay that amount out of your pocket, Medicare will start providing coverage, and you will only have to cover the 20% of your costs that Part B does not pay.

Stay healthy

Medicare Part B is an essential part of your financial protection plan for doctor visits and other outpatient care. Given the high cost of healthcare, having Part B can be a lifesaver both healthfully and financially


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