Ways & How

how to apply for Medicare Part B.

how to apply for Medicare Part B.

Medicare is primarily composed of four parts; A, B, C, and D. Medicare Part B is somehow a good extension plan of the hospitalization insurance which is in Part A. If you are thinking that this is would be beneficial, then read on and we will discuss how to apply for Medicare Part B. What are the things covered in Medicare Plan B that should interest you? Medicare Plan B is an extension of Part A. Whatever is not included in the benefits for Part A is usually in Part B. Since most of Part A focuses on hospitalization, what happens to the expenses before and after hospitalization as well as the medical supplies and equipment needed? Part B covers all of this. The coverage basically includes outpatient surgery and supplies, medical equipment such as wheelchairs, oxygen tanks, and in-home hospital beds.  Also included are the non-routine doctors’ fees and other diagnostic tests. Laboratory services for blood tests and urine tests are also included. If after hospitalization you need full health care services at home, such as nursing care, a physical therapist, or medical equipment needed for your condition, Plan B will cover these expenses.

One of the recent inclusions in this program is the services for preventive measures for your health.  These include; bone mass measurement, cardiovascular blood screening, colorectal cancer screening, diabetes, glaucoma, Pap test, pelvic examination, prostate screening, mammograms, and immunizations.   However, there are certain rules on how often you are entitled to these services. If you can afford this type of insurance plan, it is advisable to enroll...  At the time you signed up for Plan A, you are actually given the option to enroll in Plan B. If you have never participated in Plan B before, here are the steps to enroll:

  1. Three months before your 65th birthday, you can apply for Medicare Plan B until six months after the month of your birthday. This should give you plenty of time to do this. Even if you don’t retire and are not eligible for full Social Security benefits, you still have to apply at this time frame, three months before your birthday until six months after.

  2. If for any reason you miss the first application period, you can still enroll later.  There is a yearly general enrollment period which usually starts at the beginning of the year, January 1st and runs for three months ending March 31st.  There may be a corresponding fee for a late application which will be explained by the Medicaid personnel.

  3. There are also circumstances sometimes where people do not apply for Part B. . . Usually, it’s because they are still covered by their employers’ health insurance. If this is the case, you have different options. You can apply while still employed or wait and apply after your employment ends. You must do this during the special enrollment period. If you sign up at this time, you will not have to pay any extra fees on top of the premium like those who apply during the general enrollment period.

To avoid any additional fees, it is best to apply at the initial application period. Also, a delay in applying means also a delay in the start of your health insurance coverage. The earlier you apply, the earlier you can use it. Health insurance is a very good investment. The U.S. government has done a good job in ensuring that senior citizens will be taken care of very well in terms of their health. While you’re still young, start paying your Medicare taxes now, and soon you will be receiving   these benefits.


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