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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 require. 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 is a supplementary option to prescription drug coverage.

But do not let the alphabet soup cover 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.

 Person in 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 ambulatory services and treatments. Qualifying events include what's 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 including diagnostic tests, ambulance services, clinical research, durable medical equipment, mental health services, and even second opinion on key issues such as surgery. [19659002] New Medicare participants get a one-time "Welcome to Medicare" preventive visit. There, a doctor will look at your medical history and work with you to collect key health information. You will get a vision test, measurements of height, weight, blood pressure, and body mass index, and an assessment of the depression risk. You will also receive a written plan in which your doctor will go through any necessary services you need to prevent more severe 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, dentures and most dental care are not covered, nor are hearing-aid examinations.

It can be hard to know what is covered and what's not, but Medicare tries to make it easier. This tool at 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 must pay 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, as significant increases in social security payments under cost-of-living adjustments have largely reached the rise in Medicare premiums.

However, if You're a high-income taxpayer, then you might 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.

For individuals with this income:

Or total filesters with this income:

The total monthly premium in 2018 will be:

$ 85,000 to $ 107,000

$ 170,000 to $ 214,000

$ 189.60

$ 107,000 to $ 133,500

$ 214,000 to $ 267,000

$ 270.90

$ 133,500 to $ 160,000

$ 267,000 to $ 320,000

$ 352.20

$ 160,000 to $ 500,000 [19659017] $ 320,000 to $ 750,000

$ 433.40

Over $ 500,000

Over $ 750,000

$ 460.50

Data source: Medicare. If their income is $ 85,000 to $ 415,000, or $ 460.50, if their income exceeds $ 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 pocket, Medicare starts providing coverage, and you'll only have to cover the 20% of your costs that Part B does not pay. In addition, with some preventive services, Part B pays everything.

Stay healthy

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


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