Medicare Part B

Medicare Part B (medical) helps cover outpatient medical services that aren't covered under Part A.

Part B medically necessary services include doctor's services, lab and diagnostic services, preventive services, chemotherapy, radiation, dialysis and more.

Medicare Part B does not, however, cover the entire cost of these service. Essentially, Medicare Part B pays only 80% of Medicare-approved outpatient expenses.

You will pay a share of your Part B services, such as:

• Part B deductible ($140 annually in 2012)
• 20% of all additional costs with NO limit on your spending
• Excess charges beyond what Medicare reimburses your providers

Part B Expenses Are Unlimited

Generally, Part B only pays 80% of your outpatient needs.

Essentially, this leaves you paying 20% of some potentially very expensive services such as open heart surgeries, durable medical equipment, chemotherapy, radiation, and dialysis - with no cap on your spending.

Without medicare supplemental insurance coverage, your Medicare Part B costs can add up quickly. We can show you how a Texas Medicare supplement (Medigap) or a Texas Medicare Advantage plan will help protect you against financial exposure.

For free assistance with how to enroll in Part B or with choosing a suitable Medicare supplemental insurance plan for your individual needs, call us today at 866-452-8686 or you may
contact our agency online for help.