Medical Insurance (Part B)

Most people have to pay a premium for Part B. You can check to see if you qualify to receive help from your state to pay for premiums and deductibles. If you don’t qualify for this, then the premiums are usually deducted from a Social Security, Railroad Retirement or Civil Service Retirement check.  There are many payments options for premiums such as quarterly bills, check draft, or easy pay. 

Part B is a medical insurance offered by the federal government to eligible beneficiaries.  Part B coverage offers medically necessary doctor’s services, outpatient care, and most other services that Part A does not cover such as some physical or occupational therapies and some home health care services.  Preventive services are also covered by Part B.  Though many services and products are covered, keep in mind that Part B is still not a complete insurance coverage plan.  Part B helps cover only the medically necessary services listed below:

• Tests, labs, and screenings
• Preventive services
• Glaucoma tests
• Bone mass measurement
• Lab Services
• Colorectal cancer screenings
• Diabetic screenings
• Diabetic supplies
• Diabetic self management
• Cardiovascular

Preventive Shots

Flu shots are covered one time per year during flu season.
Three hepatitis B shots are covered if you are at medium or high risk.