{"id":639,"date":"2026-05-10T06:08:51","date_gmt":"2026-05-10T06:08:51","guid":{"rendered":"https:\/\/jmomentumconsulting.com\/?page_id=639"},"modified":"2026-05-10T08:01:08","modified_gmt":"2026-05-10T08:01:08","slug":"elementor-page-639","status":"publish","type":"page","link":"https:\/\/jmomentumconsulting.com\/?page_id=639","title":{"rendered":"Medicare Part B:  Medical Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"639\" class=\"elementor elementor-639\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f9fbbee e-flex e-con-boxed e-con e-parent\" data-id=\"3f9fbbee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1429191d e-con-full e-flex e-con e-child\" data-id=\"1429191d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-532c0c04 elementor-widget elementor-widget-heading\" data-id=\"532c0c04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Medicare Part B:  Medical Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-442754dd elementor-widget elementor-widget-text-editor\" data-id=\"442754dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Understanding Your Coverage for Doctor Visits and Outpatient Care<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a468a30 elementor-widget elementor-widget-image\" data-id=\"1a468a30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"432\" src=\"https:\/\/jmomentumconsulting.com\/wp-content\/uploads\/2026\/05\/4-768x432.png\" class=\"attachment-medium_large size-medium_large wp-image-756\" alt=\"\" srcset=\"https:\/\/jmomentumconsulting.com\/wp-content\/uploads\/2026\/05\/4-768x432.png 768w, https:\/\/jmomentumconsulting.com\/wp-content\/uploads\/2026\/05\/4-300x169.png 300w, https:\/\/jmomentumconsulting.com\/wp-content\/uploads\/2026\/05\/4-1024x576.png 1024w, https:\/\/jmomentumconsulting.com\/wp-content\/uploads\/2026\/05\/4-1536x864.png 1536w, https:\/\/jmomentumconsulting.com\/wp-content\/uploads\/2026\/05\/4-18x10.png 18w, https:\/\/jmomentumconsulting.com\/wp-content\/uploads\/2026\/05\/4-600x338.png 600w, https:\/\/jmomentumconsulting.com\/wp-content\/uploads\/2026\/05\/4.png 1920w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc60820 elementor-widget elementor-widget-heading\" data-id=\"cc60820\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Is Medicare Part B?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f106ab3 elementor-widget elementor-widget-text-editor\" data-id=\"f106ab3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Medicare Part B is the component of Medicare that provides\u00a0<strong>medical insurance<\/strong>\u00a0\u2014 covering the costs associated with doctor visits, outpatient care, preventive services, and medically necessary supplies and equipment. Together with Part A, Part B forms the foundation of\u00a0<strong>Original Medicare.<\/strong><\/p><p>While Part A focuses primarily on inpatient and hospital care, Part B covers the everyday medical services that keep you healthy and address your ongoing health care needs outside of a hospital setting.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-147ecca9 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"147ecca9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-795e4833 e-flex e-con-boxed e-con e-parent\" data-id=\"795e4833\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4981ed5c elementor-widget elementor-widget-heading\" data-id=\"4981ed5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who Is Eligible for Medicare Part B?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1af1506a elementor-widget elementor-widget-text-editor\" data-id=\"1af1506a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You are eligible for Medicare Part B if you are:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-601de73f elementor-widget elementor-widget-text-editor\" data-id=\"601de73f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #ff6600;\">\u25cf <\/span>Aged\u00a0<strong>65 or older<\/strong>\u00a0and a United States citizen or permanent legal resident who has lived in the country for at least five consecutive years<\/p><p><span style=\"color: #ff6600;\">\u25cf <\/span>Under 65 and have received\u00a0<strong>Social Security Disability Insurance (SSDI)<\/strong>\u00a0for 24 months or longer<\/p><p><span style=\"color: #ff6600;\">\u25cf <\/span>Diagnosed with\u00a0<strong>End Stage Renal Disease<\/strong>\u00a0or\u00a0<strong>ALS<\/strong>\u00a0at any age<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b862a57 elementor-widget elementor-widget-text-editor\" data-id=\"4b862a57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Unlike Part A, Medicare Part B requires most beneficiaries to pay a\u00a0<strong>monthly premium<\/strong>\u00a0regardless of their work history.<\/p><hr \/>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e342e2b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6e342e2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-46b38233 e-flex e-con-boxed e-con e-parent\" data-id=\"46b38233\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-77b62e53 elementor-widget elementor-widget-heading\" data-id=\"77b62e53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Does Medicare Part B Cover?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-565fff2b elementor-widget elementor-widget-text-editor\" data-id=\"565fff2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Medicare Part B covers two broad categories of services \u2014\u00a0<strong>medically necessary services<\/strong>\u00a0and\u00a0<strong>preventive services.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f4948af elementor-widget elementor-widget-text-editor\" data-id=\"4f4948af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Medically Necessary Services<\/strong>\u00a0These are services or supplies that are needed to diagnose or treat a medical condition and meet accepted standards of medical practice. Part B covers:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6bf28d04 elementor-widget elementor-widget-text-editor\" data-id=\"6bf28d04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #ff6600;\">\u25cf <\/span><strong>Doctor visits<\/strong>\u00a0\u2014 Office visits with your primary care physician and specialists<\/p><p><strong><span style=\"color: #ff6600;\">\u25cf <\/span>Outpatient hospital care<\/strong>\u00a0\u2014 Services received without being formally admitted to a hospital<\/p><p><strong><span style=\"color: #ff6600;\">\u25cf <\/span>Emergency room visits<\/strong>\u00a0\u2014 Care received in a hospital emergency department<\/p><p><strong><span style=\"color: #ff6600;\">\u25cf <\/span>Ambulance services<\/strong>\u00a0\u2014 When other transportation could endanger your health<\/p><p><strong><span style=\"color: #ff6600;\">\u25cf <\/span>Mental health services<\/strong>\u00a0\u2014 Outpatient therapy, counseling, and psychiatric care<\/p><p><strong><span style=\"color: #ff6600;\">\u25cf <\/span>Lab tests and diagnostic imaging<\/strong>\u00a0\u2014 Blood tests, X-rays, MRIs, and CT scans<\/p><p><strong><span style=\"color: #ff6600;\">\u25cf <\/span>Durable medical equipment<\/strong>\u00a0\u2014 Wheelchairs, walkers, hospital beds, and oxygen equipment<\/p><p><strong><span style=\"color: #ff6600;\">\u25cf <\/span>Outpatient surgery<\/strong>\u00a0\u2014 Surgical procedures that do not require an overnight hospital stay<\/p><p><strong><span style=\"color: #ff6600;\">\u25cf <\/span>Kidney dialysis<\/strong>\u00a0\u2014 For individuals with End Stage Renal Disease<\/p><p><strong><span style=\"color: #ff6600;\">\u25cf <\/span>Chemotherapy and radiation<\/strong>\u00a0\u2014 Outpatient cancer treatments<\/p><p><strong><span style=\"color: #ff6600;\">\u25cf <\/span>Physical, occupational, and speech therapy<\/strong>\u00a0\u2014 Outpatient rehabilitation services<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33720b3 elementor-widget elementor-widget-text-editor\" data-id=\"33720b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Preventive Services<\/strong>\u00a0Part B places a strong emphasis on prevention and early detection. Covered preventive services include:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-464a89ad elementor-widget elementor-widget-text-editor\" data-id=\"464a89ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #ff6600;\">\u25cf\u00a0<\/span><strong>Annual Wellness Visit<\/strong>\u00a0\u2014 A yearly check-in with your doctor to develop or update a personalized prevention plan<\/p><p><strong><span style=\"color: #ff6600;\">\u25cf\u00a0<\/span>Welcome to Medicare Preventive Visit<\/strong>\u00a0\u2014 A one-time visit during your first 12 months of Part B enrollment<\/p><p><strong><span style=\"color: #ff6600;\">\u25cf\u00a0<\/span>Cardiovascular screenings<\/strong>\u00a0\u2014 Cholesterol and blood pressure screenings<\/p><p><strong><span style=\"color: #ff6600;\">\u25cf\u00a0<\/span>Cancer screenings<\/strong>\u00a0\u2014 Mammograms, colonoscopies, cervical cancer screenings, and prostate cancer screenings<\/p><p><strong><span style=\"color: #ff6600;\">\u25cf\u00a0<\/span>Diabetes screenings and self-management programs<\/strong><\/p><p><strong><span style=\"color: #ff6600;\">\u25cf\u00a0<\/span>Flu, pneumonia, and hepatitis B vaccines<\/strong><\/p><p><strong><span style=\"color: #ff6600;\">\u25cf\u00a0<\/span>Bone density measurements<\/strong>\u00a0\u2014 For individuals at risk of osteoporosis<\/p><p><strong><span style=\"color: #ff6600;\">\u25cf\u00a0<\/span>Depression screenings<\/strong><\/p><p><strong><span style=\"color: #ff6600;\">\u25cf\u00a0<\/span>Obesity counseling<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce85a69 elementor-widget elementor-widget-text-editor\" data-id=\"ce85a69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Many preventive services are covered at\u00a0<strong>no cost to you<\/strong>\u00a0when received from a Medicare-participating provider.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a0ff880 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1a0ff880\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4f219db e-flex e-con-boxed e-con e-parent\" data-id=\"4f219db\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-342ea3a0 elementor-widget elementor-widget-heading\" data-id=\"342ea3a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Does Medicare Part B Cost?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52a87e40 elementor-widget elementor-widget-text-editor\" data-id=\"52a87e40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Unlike Part A, Medicare Part B requires beneficiaries to pay a monthly premium as well as other cost-sharing responsibilities:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5da26c0f e-flex e-con-boxed e-con e-parent\" data-id=\"5da26c0f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-416bd85f elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"416bd85f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Cost Type<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26721f3f elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"26721f3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Amount<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ce23ef e-flex e-con-boxed e-con e-parent\" data-id=\"ce23ef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10d9321d elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"10d9321d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Standard Monthly Premium<\/p><p>Annual Deductible &amp; Coinsurance<\/p><p>\u00a0<\/p><p>\u00a0<\/p><p>Hospital Outpatient Services<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b3ad6fd elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4b3ad6fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>$202.90 each month (or higher depending on your income).<\/p><p>$283. After your deductible is met, you typically pay 20% of the Medicare-approved amount for most doctor services (including most doctor services while you&#8217;re a hospital inpatient), outpatient therapy, and durable medical equipment.<\/p><p>20% coinsurance after deductible<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-44b29824 e-flex e-con-boxed e-con e-parent\" data-id=\"44b29824\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61931860 elementor-widget elementor-widget-text-editor\" data-id=\"61931860\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Important Note on Income-Related Adjustments<\/strong>\u00a0Higher income beneficiaries may pay more than the standard Part B premium. This adjustment is known as the\u00a0<strong>Income Related Monthly Adjustment Amount \u2014 or IRMAA.<\/strong>\u00a0If your modified adjusted gross income exceeds certain thresholds, your Part B premium will be higher than the standard rate. Your income from two years prior is used to determine your IRMAA.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2bfb3f14 e-flex e-con-boxed e-con e-parent\" data-id=\"2bfb3f14\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3503890f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3503890f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f60ef1d elementor-widget elementor-widget-heading\" data-id=\"5f60ef1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Part B Deductible and Coinsurance\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fe9fba6 elementor-widget elementor-widget-text-editor\" data-id=\"7fe9fba6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Once you meet your annual Part B deductible, Medicare typically pays\u00a0<strong>80%<\/strong>\u00a0of the Medicare-approved amount for covered services. You are responsible for the remaining\u00a0<strong>20% coinsurance<\/strong>\u00a0\u2014 with no out of pocket maximum under Original Medicare.<\/p><p>This 20% coinsurance can add up quickly \u2014 particularly for individuals who require frequent medical care or face a serious illness. This is one of the primary reasons many beneficiaries choose to supplement their Original Medicare coverage with a\u00a0<strong>Medigap policy<\/strong>\u00a0or a\u00a0<strong>Medicare Advantage plan.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7df37c6d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7df37c6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-77d8ab1e e-flex e-con-boxed e-con e-parent\" data-id=\"77d8ab1e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51344b5e elementor-widget elementor-widget-heading\" data-id=\"51344b5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Enrolling in Medicare Part B\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-127022be elementor-widget elementor-widget-text-editor\" data-id=\"127022be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Enrolling in Part B at the right time is critically important. Here is what you need to know:<\/p><p><strong>Initial Enrollment Period<\/strong>\u00a0Your Initial Enrollment Period is a seven-month window that includes:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e1e5a9 elementor-widget elementor-widget-text-editor\" data-id=\"4e1e5a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #ff6600;\">\u25cf <\/span>The three months before your 65th birthday month<\/p><p><span style=\"color: #ff6600;\">\u25cf <\/span>Your birthday month<\/p><p><span style=\"color: #ff6600;\">\u25cf <\/span>The three months after your 65th birthday month<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-006ff36 elementor-widget elementor-widget-text-editor\" data-id=\"006ff36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Enrolling during this window ensures your coverage begins on time and helps you avoid late enrollment penalties.<\/p><p><strong>Late Enrollment Penalty<\/strong>\u00a0If you do not enroll in Part B when first eligible and do not have qualifying coverage elsewhere, you may face a\u00a0<strong>permanent late enrollment penalty.<\/strong>\u00a0Your monthly premium will increase by\u00a0<strong>10% for each full 12-month period<\/strong>\u00a0that you were eligible but did not enroll. This penalty applies for as long as you have Part B.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59550551 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"59550551\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ccc9f41 e-flex e-con-boxed e-con e-parent\" data-id=\"ccc9f41\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-368c302 elementor-widget elementor-widget-heading\" data-id=\"368c302\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Part B Does Not Cover\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39fdc79 elementor-widget elementor-widget-text-editor\" data-id=\"39fdc79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It is equally important to understand what Part B does not cover:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb63899 elementor-widget elementor-widget-text-editor\" data-id=\"cb63899\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #ff6600;\">\u25cf <\/span><strong>Routine dental care<\/strong>\u00a0\u2014 Cleanings, fillings, extractions, and dentures<\/p><p><strong><span style=\"color: #ff6600;\">\u25cf <\/span>Routine vision care<\/strong>\u00a0\u2014 Eye exams for glasses or contact lenses<\/p><p><strong><span style=\"color: #ff6600;\">\u25cf <\/span>Hearing aids<\/strong>\u00a0and related fittings<\/p><p><strong><span style=\"color: #ff6600;\">\u25cf <\/span>Long term custodial care<\/strong><\/p><p><strong><span style=\"color: #ff6600;\">\u25cf <\/span>Cosmetic surgery<\/strong><\/p><p><strong><span style=\"color: #ff6600;\">\u25cf <\/span>Acupuncture<\/strong>\u00a0\u2014 With limited exceptions<\/p><p><strong><span style=\"color: #ff6600;\">\u25cf <\/span>Prescription drugs<\/strong>\u00a0\u2014 Most outpatient medications are covered under Part D<\/p><p><strong><span style=\"color: #ff6600;\">\u25cf <\/span>Care received outside the United States<\/strong>\u00a0\u2014 With very limited exceptions<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-787f33a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"787f33a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9f6034a e-flex e-con-boxed e-con e-parent\" data-id=\"9f6034a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0654cc0 elementor-widget elementor-widget-heading\" data-id=\"0654cc0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Part B Works with Other Coverage\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-140c8d4 elementor-widget elementor-widget-text-editor\" data-id=\"140c8d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Part B works alongside other components of Medicare to provide well-rounded coverage:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2203cb elementor-widget elementor-widget-text-editor\" data-id=\"d2203cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #ff6600;\">\u25cf <\/span><strong>Part A<\/strong>\u00a0covers your inpatient hospital and skilled nursing facility care<\/p><p><strong><span style=\"color: #ff6600;\">\u25cf <\/span>Part D<\/strong>\u00a0covers your outpatient prescription medications<\/p><p><strong><span style=\"color: #ff6600;\">\u25cf <\/span>Medigap<\/strong>\u00a0can cover your Part B deductible, coinsurance, and other out of pocket costs<\/p><p><strong><span style=\"color: #ff6600;\">\u25cf <\/span>Medicare Advantage (Part C)<\/strong>\u00a0bundles Part A and Part B \u2014 and often Part D \u2014 into a single comprehensive private plan<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-44080cd3 e-flex e-con-boxed e-con e-parent\" data-id=\"44080cd3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-69eed86d elementor-widget elementor-widget-heading\" data-id=\"69eed86d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ready to Take the Next Step?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65703798 elementor-widget elementor-widget-text-editor\" data-id=\"65703798\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Medicare Part B is the cornerstone of your everyday health care coverage in retirement. Understanding what it covers \u2014 and what it does not \u2014 is essential to building a complete and cost-effective Medicare strategy.<\/p><p>At\u00a0<strong>JMomentum Consulting<\/strong>, we are here to help you understand your Part B benefits, avoid costly enrollment mistakes, and identify the supplemental coverage options that best fit your needs and your budget.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e6d2615 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7e6d2615\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/tidycal.com\/julieonwonga\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Schedule your free consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a2966f e-flex e-con-boxed e-con e-parent\" data-id=\"7a2966f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1c00388 elementor-widget elementor-widget-text-editor\" data-id=\"1c00388\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div><em><b>Disclaimer:<\/b>\u00a0This office is not affiliated with or endorsed by any government agency or the Federal Medicare program. By requesting more information, you may be offered insurance policies for purchase. Always read your policy documents thoroughly to understand your specific coverage limits.<\/em><\/div><div><em>\u00a0\u00a0<\/em><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Medicare Part B: Medical Insurance Understanding Your Coverage for Doctor Visits and Outpatient Care What Is Medicare Part B? Medicare [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-639","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Medicare Part B: Medical Insurance - JMomentum Consulting<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/jmomentumconsulting.com\/?page_id=639\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Medicare Part B: Medical Insurance - JMomentum Consulting\" \/>\n<meta property=\"og:description\" content=\"Medicare Part B: Medical Insurance Understanding Your Coverage for Doctor Visits and Outpatient Care What Is Medicare Part B? 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