What is Medicare Part B?

Medicare B is medical insurance covering the cost of doctor services, outpatient services, medical equipment, home health services plus some preventive medical services.

Medicare is a social insurance program that spreads the financial risk of medical costs among all citizens to give insurance protection to needy citizens of the United States. Senior citizens, disabled people and people diagnosed with End Stage Renal Disease, ESRD, permanent kidney failure requiring dialysis or a kidney transplant, are eligible to enroll for Medicare insurance.

Different Parts of Medicare

Different parts of Medicare cover specific services. Medicare Part A is hospital insurance. Medicare Part B covers medical expenses of professionals. Medicare Part C, also known as Medicare Advantage, covers a variety of medical expenses, while Medicare Part D covers the cost of medical prescriptions.

Medicare Part B

Medical services are covered under Medicare B. Medicare Part B, also known as medical insurance; helps cover costs of care provided by medical professionals and other health care services. Medicare Part B also covers the cost incurred for medical equipment and home health care. Some preventive health services which help people sustain their health or to keep definitive illnesses from worsening. Medicare B helps pay for costs not covered by Medicare Part A, specifically outpatient care. If the beneficiary or spouse of insured is working and has health coverage from their employer, Part B is an optional part of Medicare coverage. Medicare Part B includes medical professional fees, laboratory and diagnostic testing, flu and pneumonia vaccinations, x-rays, blood transfusions, renal dialysis, ambulatory transport, chemotherapy and immunosuppressive drugs for organ transplant patients.

Eligibility for Medicare Part B

Citizens of the United States are eligible for Medicare coverage if they are:
• 65 years of age or older,
• stricken with disabilities before the age of 65,
• diagnosed with end stage renal disease or need a kidney transplant or
• diagnosed with amyotrophic lateral sclerosis (ALS or Lou Gehrig’s Disease)

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