There are several different rules and regulations regarding all of the different Medicare plans. Ever since the government broke it down into different parts of coverage instead of one total service it has required individuals to know about each part and what the different sections are able to offer. One of the current plans is Medicare Part B. The Medicare Part B premium is included, although there are some rules and regulations you need to know about in order to make sure you are up on all the potential bills and other financial aspects of your coverage. The last thing you want to do is either void some medical services by not following through with the complex rules, or discover you are not covered for something entirely, due to being enrolled in the wrong Medicare plan.


First off, Medicare Part B is medical coverage that is voluntary, but once you are enrolled the premium cost is deducted from your monthly Social Security payments (the overall premium does vary from year to year, so it is important to check with the Medicare Part B premium in order to see what kind of cost it is going to be on a monthly basis). The Part B service does cover most charges incurred by physicians, laboratory work and x-rays, plus most other non-hospital charges.

An important aspect to remember when dealing with Medicare Part B, is to look for doctors who take Medicare insurance. If the doctor you are visiting is not part of the Medicare program than Part B is not going to cover your services and you’re going to have to pay all of the expenses out of pocket (unless you have supplemental insurance coverage also). There are some states that require all medical facilities and professionals take Part B, but this is not the case for all states. Due to this, you need to investigate your primary care physicians and other locations in order to make sure you’re not going to receive a massive bill at the end of the month.

You also need to understand you might still have to pay out of pocket expenses with Part B when you don’t have additional insurance. This happens when, for example, a doctor bill is $175 and Medicare only pays for $100 of it. You then must pay for a co-pay of 20 percent of what Medicare covered ($20, in this case) and an additional 15 percent of the Medicare approved amount (so another $15). This is important to know about when looking at the Medicare Part B premium and identifying what kind of coverage and service is going to be best for you and your health.  Staying on top of what Medicare provides is a good idea.