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This web page covers California 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) durable medical equipment, outpatient medical and surgical services as well as supplies, blood received as an outpatient, second opinions, outpatient mental health care and outpatient physical therapy, laboratory tests and outpatient hospital services. With 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. Under Part B a person is responsible for 20% of the approved amount after having met the deductible. If certain conditions are met Medicare Part B may help to pay for bone mass measurements, colorectal cancer screenings, prosthetic limbs, glaucoma screenings, emergency care, dialysis, mammograms, diagnostic tests, artificial eyes, vaccinations, diabetes services and supplies, braces, pap tests, ambulance services, second opinions, transplants, pelvic exams and prostate cancer screenings. 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%. We have helped Californians with their Medicare Supplement requirments for more than twenty years. We want to help you with your Medigap needs. Let us answer your Medicare questions. We can find the correct policy for you. Medicare is a extremely complex subject. There is an overwhelming amount of information availble about Medicare. Finding the information you need can be time consuming and tedious. Let us give you all the information you need to know. |