Medicare B部分涵盖了广泛的医生就诊，包括医疗必要的任命和预防保健。但是，没有涵盖的东西可能会让您感到惊讶，这些惊喜可能带有一笔巨额的账单。

在预订下一次医生的访问之前，您需要了解有关承保范围和费用的知识。

Medicare Part B covers 80 percent of the Medicare-approved cost of medically necessary doctor’s visits.

This includes outpatient services you receive in your doctor’s office or in a clinic. It also includes some inpatient services in a hospital. In order to get coverage, your doctor or medical supplier must be Medicare-approved and accept assignment.

医疗保险B部分还包括80%的读出care-approved cost of preventive services you receive from your doctor or other medical provider. This includes wellness appointments, such as an annual or 6-month checkup.

在Medicare覆盖医学上80％的医学医生访问的全部80％之前，您的年度扣除额将需要满足。在2020年，B部分的免赔额为$198。This represents an increase of $13 from the annual deductible of $185 in 2019.

即使您的免赔额未得到满足，预防服务也将全额支付。

如果您的医生是医生（MD）或整骨医学医生（DO），Medicare将介绍医生的探视。在大多数情况下，它们还将涵盖以下提供的医学上必要或预防性护理：

  • clinical psychologists
  • clinical social workers
  • 职业理疗师
  • speech language pathologists
  • nurse practitioners
  • clinical nurse specialists
  • physician assistants
  • physical therapists

Medicare Part B covers doctor’s visits. So do Medicare Advantage plans, also known asMedicare Part C。

Medigap补充保险涵盖了B或C部分未涵盖的一些医生的访问，例如，Medigap将支付与脊医或足病医生有关的一些费用，但它不会涵盖针灸或牙科的预约。

Medicare doesn’t cover certain medical services that you may consider preventive or medically necessary. However, there are sometimes exceptions to this rule.

For questions about your Medicare coverage, contact Medicare’s customer service line at 800-633-4227, or visit the State health insurance assistance program (SHIP)网站or call them at 800-677-1116.

如果您的医生让Medicare知道治疗在医学上是必要的，则可以部分或完全覆盖。在某些情况下，您可能会产生额外的自付费用。在您假设Medicare会或不会付款之前，请务必检查。

Other circumstances under which Medicare will not pay for a medical appointment include the following:

  • Medicare won’t cover appointments with a podiatrist for routine services such as corn or callous removal or toenail trimming.
  • Medicare有时涵盖验光师提供的服务。如果你有diabetes，，，，glaucoma，或另一种需要年度眼科检查的医疗状况，医疗保险通常会涵盖这些约会。Medicare不涵盖验光师的诊断眼镜处方。
  • 原始Medicare（A和B部分）不涵盖牙科服务，尽管一些Medicare Advantage计划确实如此。如果您在医院接受了牙科紧急情况，则A部分可能承担其中一些费用。
  • Medicare doesn’t cover naturopathic medicine, such as acupuncture. Some Medicare Advantage plans offer acupuncture coverage.
  • Medicare will only cover chiropractic services, such asspinal manipulation，，，，for a condition known as spinal subluxation. In order to ensure coverage, you’ll need an official diagnosis from a licensed and qualified chiropractor. Medicare Advantage plans may cover additional chiropractic services.

Medicare可能没有其他医疗访问和服务。如有疑问，请务必检查您的政策或注册信息。

Important Medicare deadlines
  • Initial enrollment: 3 months before and after your 65th birthday.You should enroll for Medicare during this 7-month period. If you’re employed, you can sign up for Medicare within an 8-month period after retiring or leaving your company’s group health insurance plan and still avoid penalties. Under federal law, you can also enroll for a Medigap plan anytime during the 6-month period beginning with your 65thbirthday.
  • 一般入学人数：1月1日至3月31日。如果您错过了初始入学期，那么您仍然可以在此期间随时注册Medicare。但是，当您的福利生效时，您可能会因持续的延迟注册罚款。在此期间，您还可以更改或删除Medicare Advantage计划，然后选择原始的Medicare。您还可以在一般入学期间获得MEDIGAP计划。
  • Annual open enrollment: October 15 – December 7.You may make changes to your existing plan each year during this time.
  • Medicare的招生：4月1日至6月30日。您可以在当前的Medicare承保范围内添加Medicare D部分或Medicare Advantage计划。

Medicare Part B covers 80 percent of the cost of doctor’s visits for preventive care and medically necessary services.

Not all types of doctors are covered. In order to ensure coverage, your doctor must be a Medicare-approved provider. Check your individual plan or call Medicare’s customer service line at 800-633-4227 if you need specific coverage information.