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This internet web page covers California Medicare Part B advice. 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) blood received as an outpatient, durable medical equipment, outpatient mental health care and outpatient physical therapy, outpatient hospital services, second opinions, laboratory tests and outpatient medical and surgical services as well as supplies. For Medicare Part B there is an annual deductible and a co-payment for covered services. This is a significant difference between 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 pap tests, ambulance services, prostate cancer screenings, glaucoma screenings, artificial eyes, prosthetic limbs, mammograms, vaccinations, colorectal cancer screenings, transplants, emergency care, braces, second opinions, diagnostic tests, pelvic exams, diabetes services and supplies, bone mass measurements and dialysis. Medicare Part B does exclude certain physician services. 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%. With over twenty years experience assisting people in California with their Medicare Supplement needs we can help you too. Let us analyze your requirements, and assist you with getting insurance. Medicare is a very complex topic. There is a huge amount of information out there about Medicare. Getting the information you want can be a tedious and time consuming undertaking. Let us give you all the information you need. |