Estate Planning Advice
for Every Stage of Life.

How Medicare B Can Help Defray Medical Costs

If you’re 65 years of age or older, and are a U.S. citizen or a legal permanent resident who has been here for five consecutive years, you are eligible to enroll in Medicare Part B insurance. This is true even if you are not eligible for Part A hospital insurance.

Part B medical insurance covers doctor bills for treatment in or out of the hospital, as well as the costs of medical equipment, tests and services provided by clinics and laboratories.

You have to pay for other medical expenses, such as routine physical examinations, medications, glasses, hearing aids and dentures.

Some of the items Medicare Part B insurance pays for include:

      • Doctor services, including surgery, provided at a hospital, a doctor’s office or your home.
      • Mammograms, pelvic exams, bone density tests and PAP smears for women.
      • Prostate Specific Antigen (PSA) tests for men.
      • Flu shots.
      • Colorectal cancer screenings such as colonoscopies and flexible sigmoidoscopies.
      • Medical services provided by nurses, surgical assistants or laboratory or X-ray technicians.
      • Outpatient hospital treatment, such as emergency room or clinic charges, X-rays injections and lab work.
      • Home health care, including part-time skilled nursing care, physical therapy, occupational therapy, home health aide services and durable medical equipment needed at home during an illness.
      • An ambulance, if required for a trip to or from a hospital or skilled nursing facility.
      • Medical equipment and supplies.
      • Diabetes service and supplies.
      • Glaucoma screening for high risk individuals.
      • Emergency care.
      • Prosthetic devices (including prosthetic breast after a mastectomy).


You may be able to successfully appeal cases when Medicare denies coverage for procedures that your doctor deems “medically necessary.

Your chances of winning may be good. According to the Medicare Rights Center, 80% of Medicare Part A appeals and 92% of Part B appeals turn out in favor of the person appealing.

What it Costs

While Part A Medicare coverage is free for many people, Part B coverage costs $134.00 ma month in 2018 (and 2017) when an individual has an annual income of $85,000 or less ($170,000 or less for married couples filing joint tax returns).

People with higher incomes pay higher premiums. When Medicare B does cover an item, it generally pays 80% of the amount it approves (after a $183 deductible in 2018 (and 2017) and you pay the remaining 20%. Part B insurance pays 100% of approved charges for home health care, clinical laboratory services and flu and pneumonia vaccines.

For a complete list of services covered by Medicare Part B, or more information on what you pay and what Medicare pays, click here to review the publications on the Medicare website. 

1745 South Naperville Road, Suite 100
Wheaton, IL 60189
Phone: 630-665-2300 | Toll Free: 877-TRUST-50
Fax: 630-665-4343
The information contained on this website is for informational and educational purposes only and is not legal, tax or financial advice. Always consult a qualified licensed attorney and/or appropriate professional to provide advice for your individual needs and circumstances. Use of this website does not create or constitute an attorney-client relationship. This website may include advertising material for Perkins & Zayed, P.C., The Estate and Trust Law Group.