Understanding Medicare Part B in Texas

Posted on

Oct 27, 2015

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The world of health insurance coverage can be quite complicated especially if youre struggling to find insurance that you can afford and that can cover your medical needs. As a senior citizen over the age of 65, or with certain disabilities, youre provided federal health insurance called Medicare.

Within Medicare, there are different sections that cover different services that you may request. The first two are by far the most important, Part A and Part B. In order to prevent unnecessary hospital visits, youll want to understand Part B Medicare. In Texas and across the country, seniors are getting the help and coverage they need to live healthier and safer lives.
Parts of Medicare Coverage
As described above, Part A and Part B are the two most focused parts of Medicare. But Medicare is made up of four parts. Part A through D and each covers a different area of services for seniors.

What is the difference between the two? What services do each cover?
What does Part A Cover?
Part A is considered your hospital coverage. When you apply for Medicare, youre automatically enrolled in the Part A plan. Covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. You most likely wont have to pay monthly premiums with Medicare Part A.
What does Part B Cover?
Part B focuses on your medical coverage. This part pays a portion of your doctor's visits, some home health care, doctors services, outpatient care, medical supplies and preventative services.

This part of Medicare is optional to you when you sign-up. Many seniors opt out of Part B Medicare if theyre still covered by other health insurance through an employer, union, or spouse.

Part B requires that you pay a monthly premium to Medicare and theres also a deductible that must be achieved before Part B begins paying for services. Rates for monthly premiums as of 2011 averaged around while the deductible needed to be met averaged around $160.

The importance of knowing what areas Medicare covers for you is important. Many doctors opt out of accepting Medicare and are able to charge you what they want for their services. Many seniors have chosen to keep their current insurance while also applying for Medicare coverage.
Finding a Healthcare Insurance Specialist in Texas
As you begin to assess your medical and financial situation, taking insurance coverage into account may mean youll decide to sign-up sooner than later. If youre in need of insurance counselors to walk you through the fine details of Medicare coverage, visit Seniors Blue Book for a list of recommended professionals who can help you.

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