People in the United States who are at least 65 years old, handicapped, or who have end-stage renal disease (ESRD) or Lou Gehrig's illness (Lou Gehrig's disease) are eligible for the government health insurance program known as Medicare. It is broken up into four sections: Part A, Part B, Part C, and Part D.

Part B, often known as medical insurance, is the element of Medicare that is most analogous to conventional health insurance. It is also the section that bears the name medical insurance. Let's take a look at the several things that are covered under Medicare Part B.

What Services Are Included in Medicare Part B

In a nutshell, Medicare Part B pays for outpatient medical treatments. While some of these services have associated costs, such as deductibles and copays, many others do not. What precisely does that entail, though? The specifics are as follows:

Services for Preventive Measures

If you see a doctor or other health care provider who accepts assignment, which means they'll take the Medicare-approved amounts as full payment, preventive health care treatments are normally free of charge. These are the kind of services that can assist diagnose diseases, keep you healthy, and avoid illness, and they include the following:

Bone density measures

Diagnostic tests for cardiovascular diseases


Exams to check for cancer (such as for cervical, colorectal, or prostate)

Diagnostic tests for depression

Diabetes screenings

Flu vaccinations

Tests for glaucoma should be done on you if it is thought that you have a high probability of developing this condition.

A checkup on your "health" once a year

Additional Services That Are Required for Medical Reasons

In addition, Medicare Part B contributes to the coverage of additional medical services and materials that are required for the diagnosis or treatment of a medical condition. For instance, services rendered by physicians or other healthcare professionals, outpatient treatment, home health care, and long-term care equipment and supplies.

Here are several examples:

Ambulance services

Cardiac rehabilitation

A fraction of chemotherapy administered to outpatients

Implanted defibrillator

Diabetes supplies

Long-lasting medical devices such as oxygen tanks, wheelchairs, and walkers are examples of such equipment.

Certain sorts of home health care that are required for medical reasons.

Dialysis of the kidneys and related supplies

physiotherapy (Physical)

A second opinion about surgery

If you have been diagnosed with obstructive sleep apnea, you will need to undergo a series of tests, including MRIs, CT scans, EKG/ECGs, and a trial of CPAP for up to three months.

Providers of laboratory services include urinalysis, blood testing, and analysis of tissue samples

This list is not comprehensive; additional services may also be included in the scope of coverage.

In contrast to preventative services, they typically come with additional costs, such as a deductible and a copay (20 percent of the Medicare-approved cost). In addition, there is no annual cap on the amount that you might be responsible for paying out of pocket for medical treatments if you have Medicare Part B.

What Kinds of Medical Expenses Are Excluded from Medicare Part B?

Other components of Medicare, including as inpatient treatment in hospitals, skilled nursing facility care, hospice care, and prescription medication coverage, are not included in the scope of coverage for Medicare Part B.

In addition, there are a few important categories of medical treatment that are not covered. For instance, Medicare Parts A and B do not pay for the vast majority of dental care, which includes dentures and other dental prosthetics. In addition, eye examinations that are associated with the prescription of eyeglasses (but not eye exams that are associated with a disease or concern), cosmetic surgery, hearing aids, fitting tests that are associated with hearing aids, and concierge services are not covered by Medicare Parts A and B. Long-term care is not included in the definition of covered services, either.

Care for the Long Term

Long-term care, which is often referred to as "custodial care," is care that is not medical in nature and is tied to the six activities of daily living (bathing, dressing, eating, transferring, toileting, and continence).

This coverage gap is not something that is exclusive to Medicare Parts A and B. According to the Centers for Medicare & Medicaid Treatments, the majority of health insurance policies, including Medigap coverage, do not cover these services. This includes hospice care.

Inpatient skilled nursing care is the only type of care covered by Medicare Part A; outpatient skilled nursing care and long-term skilled nursing care are not covered by this section of Medicare. The need for a minimum number of days spent in the hospital is not met by a great number of persons who, owing to illness or disability, are in need of expert nursing home care. In the event that this describes your circumstances, you cannot rely on Medicare Part A or Part B to cover the costs of long-term care or nursing facility care.

Instructions on How to Sign Up for Medicare Part B

Are you prepared to sign up for Medicare Part B? The steps that need to be followed are as follows:

Verify That You Are Eligible

You must first establish your eligibility in order to participate in any aspect of the Medicare program. In most cases, eligibility is determined three months before the individual's 65th birthday. Having a disability, end-stage renal disease (ESRD), or amyotrophic lateral sclerosis (ALS), on the other hand, might speed up the eligibility process. You must also be eligible for benefits based on your wages or the earnings of a child, spouse, or parent in order to be considered for this program.


Once you become qualified for Medicare, you will have three alternatives to choose from in order to enroll (assuming you are not already enrolled automatically):

Through the Social Security Administration, you can submit an application to receive Medicare coverage on its own (SSA).

You have the option to submit an application for Social Security benefits.

You have the option of submitting an application to the Railroad Retirement Board (RRB).

When you apply for benefits from Social Security or RRB, you will also be applying for Medicare at the same time. After receiving approval, you will be automatically enrolled in coverage under Part A, which does not require a monthly payment, and you will have the option to select Part B.

On the website of the Social Security Administration (SSA), over the phone at 1-800-772-1213, or in person at your local Social Security office, you can submit an application for Medicare or Medicare with Social Security benefits. On the other hand, if you call the Railroad Retirement Board at the number 1-8 77-772-5772, you will be able to submit an application for Medicare and RRB benefits.