Do You Have To Have Medicare Part B?

Do You Have To Have Medicare Part B?

Yes, do you have to have Medicare Part B to get Medicare?

Most people have the option of getting Part A (hospital insurance) and Part B (medical insurance) or Part A (hospital insurance) and Part C (a stand-alone private plan that includes medical and prescription drug coverage).

If you buy a stand-alone private plan, Medicare's rules prohibit you from receiving the Part A and Part B premium-free.

But if you buy Part B, you can get Part A without having to pay a premium for it.

If you do have Part B, you're legally required to sign up for Part D prescription drug coverage.

If you don't want Part D, the Social Security Administration will send you a letter telling you how to opt out of it.

If you don't sign up for Part D when you're first eligible or if you opt out of Part D, you can't sign up for it later.

What is Medicare Part B?

Medicare Part B is medical insurance. It covers 80 percent of the cost of most approved medical services. One of the things it covers is doctors' services, outpatient hospital care, preventive services, and some home health care. It also covers some other things such as outpatient prescription drug coverage.

If I have a Medicare Advantage plan, do I still need to have Part B?

Yes. You must have Part B to get Part A.

Do I need to have Part B if I have dental coverage?

No.

Do I need to have Part B if I have a medical flexible spending account (FSA) or health savings account (HSA)?

Do I need Part B if I have a Medicare Advantage plan?

What is the difference between Parts A and B?

They are similar in that both provide protection against high medical costs in the event you need them. However, they are different in a few important ways.

Part A only covers hospital stays, while Part B covers other medical services such as doctor visits, home health care, and some prescription drugs.

Part B can only be used if you do not have any other insurance that covers Medicare-covered services.

Part B is not free. The monthly premium may be automatically deducted from your Social Security or railroad retirement income, or it may be deducted from your bank account or charged to your credit card. If you do not have Social Security or railroad retirement income and do not want to have it automatically deducted from your bank account or charged to your credit card, you can request that you be billed instead.

Part A is free for most people, but not for everyone. The following people have to pay a premium for Part A:

People who have to pay a premium for Part B.

People with End-Stage Renal Disease (ESRD) who did not pay a premium for Part A because they worked.

People with ESRD who were not eligible for premium-free Part A because they were not working.

Military retirees from the Reserves and National Guard.

Can I have just Medicare Part A and Medicare Part B?

Yes.

Can I have just Medicare Part B and not Medicare Part A?

Can I have just Part D and not Medicare Part A or Part B?

Do I have to join Medicare Part B when I turn 65?

No. You are not required to buy Part B. If you do not buy Part B, you will not be able to get medical services covered by it.

How can I sign up for Medicare Part B?

If you wish to buy Part B, you can do so online or by calling 1-800-MEDICARE (1-877-690-1012). If you choose to sign up in person, you can do so at any Social Security office or by mail. If you have already signed up for Social Security or railroad retirement benefits, and are eligible for Part B, it should be automatically sent to you when you're first eligible. If you don't receive Part B, you may be eligible to have your Part B premiums deducted from your Social Security or railroad retirement benefits. If that is not the case, and you don't want to have your Part B premiums deducted from your bank account, you can let Medicare know that you want to pay the bill.

Do I have to sign up for Part D if I sign up for Part B?

Yes. If you sign up for Part B, you have to sign up for Part D. When you sign up for Part B, you will be sent a letter telling you how to sign up for Part D.

What is the difference between Parts B and D?

Medicare's prescription drug coverage is provided under Part D, which is included with Part A and Part B. Part D includes some outpatient prescription drug coverage.

When I first sign up for Part B, what do I have to do to sign up for Part D?

When you first sign up for Part B, you will be sent a letter telling you how to sign up for Part D. You can sign up for Part D just like you sign up for Part B. If you sign up for Part D, Medicare will automatically deduct the monthly premium from your bank account or charge it to your credit card.

Who decides what prescriptions are covered by Part D?

The federal government determines which prescription drugs are covered under Part D. That's why people who are eligible for both Part A and Part B can have different benefits under Part D, even if they get their prescription drug coverage through the same plan.

What are some of the more common forms of prescription drug coverage?

Part D covers many prescription drugs. It covers some prescription drugs that Part B does not cover. It covers all prescription drugs that Part B

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