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GOVERNMENT HELP FOR YOUR RETIREMENT

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PART B. Medicare’s medical insurance, or Part B, helps pay for doctors, outpatient hospital care, other types of medical services, and supplies that aren’t covered under Part A. Each year, Medicare patients must pay a medical insurance deductible before your Medicare benefits begin. Once this deductible is paid, Medicare will generally cover about 80 percent of the cost of the approved charges for the covered services. You will pay the remaining amount as a copayment. (See Table 3.4.)

Part B covers the following services and equipment:

inpatient medical care outpatient medical care inpatient and outpatient medical supplies ambulance services X rays laboratory tests blood yearly mammograms pap smears pelvic and breast examinations bone mass measurements diabetes glucose monitoring and education colorectal cancer screening flu and pneumococcal pneumonia shots home attention if you don’t have Part A partial hospitalization for psychiatric medical attention speech therapy physical and occupational therapy durable medical equipment (i.e., wheelchairs)

services of certain especially qualified professionals who aren’t doctors

  • long-term care

Although long-term care is listed as being covered, Part B will also not cover any custodial care. There are even times when the above “covered” services won’t be covered. However, you can have Medicare review claims that were denied through its appeal process.

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