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At iHealthcare, we care about getting you the coverage you need within your budget. That’s why our experienced agents will walk you through the Medicare enrollment process to avoid penalties. We will also make sure you are fully knowledgeable about all your Medicare options so you can make educated decisions.
Having insurance is important, especially if you have a family and kids. Many people have heard about insurance, but really have a hard time explaining what it is and how it works. As an overview, health insurance functions as coverage or a plan that will help pay costs and expenses associated with surgical, medical, prescription drugs and dental from time to time.
To receive a free quote and discuss your healthcare options, reach out to iHealthcare today. Our licensed insurance professionals will provide you with all the information needed to make sure you receive the best coverage possible at the best rates.
For all of your healthcare insurance needs, reach out to one of our expert agents today by calling 713-900-1901 or filling out the form.
View the latest insurance trends and industry news from iHealthcare. For questions, feel free to contact us directly.
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Making up the second half of Original Medicare, Part B helps beneficiaries cover the cost of medical services and supplies needed to treat health conditions. Common services that are covered include preventive services, outpatient care, durable medical equipment, and ambulance services. There are also parts of the plan that include rehabilitative services and intermittent home health services like physical therapy.
Medicare Part B provides a solid coverage plan for beneficiaries that consists of preventative services. These can include a one-time “Welcome to Medicare” preventive visit, Hepatitis B shots, flu shots, and screenings for cancer, diabetes, & cardiovascular issues. For those who have high-risk factors for diabetes such as dyslipidemia, obesity, high blood pressure, or high blood sugar, Medicare Part B will cover routine screenings and self-management training.
With Part B insurance, short-term home health services, and medically necessary part-time care are covered. If there is a need for durable medical equipment or medical supplies like hospital beds, wheelchairs, oxygen equipment, and CPAP devices, this part of Original Medicare will help cover some of the costs. In addition to the services above, Part B also provides coverage for chiropractic services to correct spinal issues, participation in clinical trials, and emergency room visits. Even though Part A and Part B form a strong healthcare coverage plan, there are things that aren’t covered. In order to have coverage for routine dental, vision, and hearing care you will need to either get it through a private insurer or find a Medicare Supplement plan that offers additional coverages.
Unlike Part A, Medicare Part B normally requires a monthly premium which causes some policyholders to forgo it during the Initial Enrollment Period if they already have coverage. If you decide to decline Part B coverage, you will have the option to enroll again during a Special Enrollment Period that starts after your employment ends. It is important to enroll during this period if you want to avoid paying any penalties or fees in the future.
As with any insurance, Medicare Part B has a deductible of around $200 annually. It is important to note that you will also be responsible for a 20% coinsurance for most of the services under the plan.
Making decisions about healthcare is important and having all the information you need to make the best choice for you is imperative. At iHealthcare, our agents will sit down with you and discuss what option will work for your current situation. To get a free quite today give us a call at 713-900-1901.