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This page covers CA Medigap Part B. Medicare Part B is often referred to as Medical insurance. It is an optional program which covers certain health care costs not covered by Part A. To receive Part B of Medicare a person has to pay a monthly premium. In reality a person who has Medicare Part B is only paying a portion of the actual premium with the government paying for the majority of the premium. Medicare Part B helps to pay for many of the costs of health care not covered under Part A. Medical services including doctor's services (not including routine physical exams) laboratory tests, outpatient mental health care and outpatient physical therapy, outpatient hospital services, second opinions, outpatient medical and surgical services as well as supplies, blood received as an outpatient and durable medical equipment. For Medicare Part B there is a co-payment and an annual deductible for covered services. This is another significant difference between Medicare Part A and Part B. With Part a person is responsible for 20% of the approved amount after the deductible is paid. If certain conditions are met Medicare Part B may help to pay for prostate cancer screenings, ambulance services, colorectal cancer screenings, mammograms, pap tests, braces, dialysis, bone mass measurements, prosthetic limbs, emergency care, diabetes services and supplies, artificial eyes, second opinions, transplants, vaccinations, pelvic exams, diagnostic tests and glaucoma screenings. Some physician services are excluded under Part B. These include eye exams and glasses, routine foot care, most cosmetic surgery hearing exams and routine physical exams. For each 12 month period that you are eligible to sign up for Part B that you do not sign up for it the premium amount increases by 10%. Let our twenty years of experience help you with your Medicare needs. We can answer all of questions and give you the information you need to make the best choice. We will find the best plan for you. Are you confused by the complexity of Medicare? With the huge amount of information it is not difficult to have difficulty finding the answers you require. Don't waste your time trying to find which plan is correct for you. We have the answers. |