Medicare Part B medical insurance provides essential coverage for a variety of outpatient services, including doctor visits, diagnostic tests, and preventive care. For 2025, beneficiaries will encounter an annual deductible of $257. Once this deductible is met, Medicare will only cover 80% of the approved medical expenses under Part B, leaving you responsible for the remaining 20% as coinsurance. Medicare Supplements, commonly known as Medigap, provide coverage for the 20% coinsurance that Original Medicare does not pay.
Additionally, there is a monthly premium for Part B coverage, which is set at $185.00 for the year 2025. It’s important to note that if your income exceeds certain thresholds, your premium may be adjusted to a higher amount. Understanding what Medicare Part B covers is crucial for seniors in Alabama and beyond, as it plays a significant role in managing healthcare costs and ensuring access to necessary medical services.
Medical Services Covered by Part B
- Diagnostic Testing (MRI, CT, PET Scans, X-rays)
- Laboratory Tests (Blood test, Urinalysis, A1C, Thyroid, Liver, Cholesterol)
- Same Day Hospital Visit
- Outpatient Surgery
- Radiation and Chemotherapy Treatments
- Physical, Speech, and Occupational Therapy
- Durable Medical Equipment like walkers, wheelchairs, oxygen equipment, hospital beds and other equipment
- Prosthetics
- Kidney Dialysis
- Drugs Typically Administered in a Doctor’s Office
- Mental Health Services
- Emergency Room Care
- Ambulance Service
After meeting the Part B deductible of $257, combining Medicare with a Supplement means you will not receive any bills for the medical services and treatments covered under Part B.
Not Covered by Medicare
- Long-Term Care in a Nursing Home
- Dental care
- Glasses or contacts
- Cosmetic surgery
- Acupuncture or experimental treatments and procedures
- Hearing aids
- Massage therapy
- Concierge care
- Medical care in foreign countries
