Medicare Part B Medical Insurance

Medicare Part B helps cover medically necessary services like doctors’ services, outpatient care, home health services and other medical services. Medicare Part B also covers some preventive services. You can find out if you have Medicare Part B by looking at your Medicare card.

You pay the Medicare Part B premium each month. Most people will pay the standard premium amount.

There are two kinds of Medicare Part B-covered services:

  1. Medically-necessary services are services or supplies that are needed to diagnose or treat your medical condition and that meet accepted standards of medical practice.
  2. Preventive services include health care to prevent illness or detect it at an early stage, when treatment is most likely to work best (for example, Pap tests, flu shots, and colorectal cancer screenings).

Medicare doesn’t cover everything. If you need certain services that Medicare doesn’t cover, you must pay for them unless you have other insurance to cover the costs. Even if Medicare covers a service or item, you generally have to pay deductibles, coinsurance and copayments.