You usually don’t pay a monthly premium for Medicare Part A (Hospital Insurance) coverage if you or your spouse paid Medicare taxes while working. Medicare covers services (like lab tests, surgeries, and doctor visits) and supplies (like wheelchairs and walkers), considered medically necessary to treat a disease or condition.
In general, Part A covers:
Some of the items and services that Medicare doesn’t cover include:
- Long-term care (also called custodial care)
- Most dental care
- Eye examinations related to prescribing glasses
- Cosmetic surgery
- Hearing aids and exams for fitting them
- Routine foot care
The standard Part B premium amount is $121.80 a month, (or higher depending on your income). However, most people who get Social Security benefits will continue to pay the same Part B premium amount as they paid in 2015, which is $104.00 monthly.
Some of the reasons, you might pay a different premium amount:
- You enroll in Part B for the first time in 2016.
- You don’t get Social Security benefits.
- You’re directly billed for your Part B premiums.
- You have Medicare and Medicaid, and Medicaid pays your premiums.
- Your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount.
Medicare covers services (like lab tests, surgeries, and doctor visits) and supplies (like wheelchairs and walkers), considered medically necessary to treat a disease or condition.
Part B covers 2 types of services
- Medically necessary services:Services or supplies that are needed to diagnose or treat your medical condition, and that meet accepted standards of medical practice.
- Preventive services:Health care to prevent illness (like the flu,) or detect it at an early stage, when treatment is most likely to work best.
Part B covers things like: