(2021 UPDATE)

It’s time to enroll! The Medicare enrollment period is upon us, and the time to choose your benefits starts now. Explore the changes you need to know for Medicare Part B in 2021

Learn more about Medicare Part B and how Medicare Advantage can dramatically improve your health care experience.

Medicare Part B Coverage

Medicare Part B covers essential medical costs that entail medical services, equipment, and supplies. This coverage also covers preventative services in some cases.

Those with questions regarding Medicare Part B coverage should contact their doctor or health care provider. These professionals can help beneficiaries determine specific benefits that would qualify under Medicare Part B.

Medicare Part B covers the following services:

  • Ambulance Services
  • Bone Mass Measurement (Bone Density)
  • Cardiac Rehabilitation
  • Chiropractic Services (limited)
  • Clinical Laboratory Services
  • Clinical Research Studies
  • Diabetes Self-Management Training
  • Doctor Services
  • Emergency Department Services
  • Federally-Qualified Health Center Services
  • Flu shots
  • Hepatitis B Shots
  • HIV Screening
  • Home Health Services
  • Kidney Dialysis Services
  • Kidney Disease Education Services

  • Medical Nutrition Therapy Services
  • Mental Health Care (outpatient)
  • Non-doctor Services
  • Occupational Therapy
  • Outpatient Medical and Surgical Services
  • Physical Exams
  • Physical Therapy
  • Pneumococcal Shot
  • Prosthetic/Orthotic Items
  • Pulmonary Rehabilitation
  • Rural Health Clinic Services
  • Second Surgical Opinions
  • Smoking Cessation
  • Speech-Language Pathology Services
  • Surgical Dressing Services
  • Telehealth
  • Tests

Medicare Part B covers the following equipment and supplies:

  • Blood
  • Defibrillators
  • Durable Medical Equipment
  • Diabetes Supplies
  • Eyeglasses (limited)
  • Transplants and Immunosuppressive Drugs

Medicare Part B also covers preventative services like:

  • Abdominal Aortic Aneurysm Screening
  • Breast Exams
  • Cardiovascular Screenings
  • Colorectal Cancer Screenings
  • Diabetes Screenings
  • EKG Screening
  • Foot Exams Related to Diabetes
  • Glaucoma Tests
  • Hearing and Balance Exams
  • Mammograms (screening)
  • Pap Tests and Pelvic Exams
  • Prostate Cancer Screenings

Medicare Part B Coverage

Medicare Part B covers a vast number of services relevant to seniors and those with qualifying disabilities. This collection of services includes testing, physical therapy, and a variety of specialized medical services. However, services must be medically necessary to qualify under Medicare Part B. Also, the service provider must be able to accept Medicare.

Medical supplies and equipment fall under Medicare Part B coverage. These supplies can include everything from durable walkers to blood. Most diabetes equipment is covered, as are many other necessary, life-saving medical products.

Medicare Part B also covers preventative care. According to a Harvard study on preventive care, Medicare spent less between 2006 and 2012 on beneficiaries’ cardiovascular-related expenses. This study and many others demonstrate both the fiscal and physical benefits of preventative care.

Seniors can get Medicare Part B under the following conditions:

Paid Medicare taxes while working

Receives retirement benefits from Social Security or the Railroad Retirement Board

Eligible to receive Social Security or Railroad benefits but have not yet filed for them

Had Medicare-covered government employment

Medicare Premiums Are on the Rise

In November of 2019, The Centers for Medicare and Medicaid Services announced the 2020 premiums, deductibles, and coinsurance amounts for Medicare Part A and Part B. While we’re still awaiting the release of the 2021 premiums and deductibles, we can safely assume another increase across the board.

Medicare Part B monthly premiums and annual deductibles rose in 2020. This increase pushed the average beneficiary’s monthly Medicare Part B premium from $135.50 to $144.60. The yearly deductible for those with Medicare Part B rose from $182 to $198.  
So, why are Medicare prices increasing across the board? According to The Partnership for Health Analytic Research, an analysis of physician-administered medicine in a hospital setting discovered hospitals collect 91% of the gross profit. This practice incentivizes practitioners to raise their prices to keep pace. The long-term effect leads to escalating health care prices.

The Trump administration has made lower prescription prices one of its top priorities, according to However, current laws demand that Medicare Part B pay the average sales price for pharmaceuticals and a percentage of the sales price to the physician. This failed model incentivizes physicians to prescribe more expensive drugs as drug companies continue to set higher prices. In the end, it creates higher costs for Medicare beneficiaries. 
Additional factors that increase Medicare costs are a rapidly growing baby boomer population, inflation, and federal regulations.

Enjoying the Benefits of Medicare Advantage

Medicare Part C, most commonly known as Medicare Advantage, covers services and prescriptions not covered by basic Medicare. Unlike Original Medicare, advantage plans are private polices. These commercial health insurance plans make it easy to curate a health care solution around the beneficiary’s unique medical requirements. Flexibility and more options make Medicare Advantage plans a popular choice for those that qualify.

Medicare Advantage plans provide some of the best policies available for seniors and those with qualifying conditions. Beneficiaries get premium services like dental, vision, and physical therapy, which can only be provided by private insurance.  

Medicare Part C covers Part A and Part B benefits but also includes the following:

  • Doctor visits
  • Emergency ambulance services
  • Home health care
  • Lab tests
  • Mental health care
  • Medical Equipment
  • Occupational therapy
  • Physical therapy
  • Speech and Language therapy
  • Vaccines

Premium Medicare Part C services include the following:





The Benefits of Medicare Advantage

Medicare Advantage, also known as Medicare Part C or Medigap, covers special services and prescriptions not covered by Original Medicare. Unlike Medicare Part A and Part B, the commercial market provides advantage plans. These private health insurance policies make it easy to customize a health care plan around the beneficiary’s specific needs.

Medicare Advantage plans provide some of the best policies available for seniors and those that qualify. Beneficiaries enjoy premium services like dental, vision, physical therapy, and much more.  

If you think a customized health care plan is right for you, speak with one of our licensed insurance agents. Explore Medicare Advantage policies and discover ways to save money while improving the quality of your health care. Our friendly representatives are available now and can show you some of the best plans on the market.

Call us now to learn more about Medicare Advantage before the enrollment period expires.

We’d love to hear from you.

$0 monthly premium Medicare plans may be available in your state

Fill out the form to see if you are eligable

Although we love to go online, we’re not comfortable making important purchases on the internet. With Medicare Advantage, we were able to speak with Steve. Steve helped us choose a policy with the benefits we needed and within our fixed-income budget. Steve is our super hero!

Red and Dolores Pinkerton

Our Medicare Advantage policy was a real-life saver! The preventative services helped detect a serious condition before it got out of hand. We’re eternally thankful for our Medicare Advantage Plan.

William and Edith Parker

We recommend Medicare Advantage to all our friends at the clubhouse. Our policy provides services that keep us active and healthy. Here’s the best part: you get to speak to a live insurance agent that can answer all your questions. You have nothing to lose. Pick up the phone and call Medicare Advantage, now!

Lawrence and Phyllis Jackson

$0 monthly premium Medicare plans may be available in your state

Fill out the form to see if you are eligable

You must continue to pay your Medicare Part B premium. The Part B premium is covered for full-dual members.
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This is a solicitation of insurance outside of the Medicare Annual Enrollment period, beneficiaries can enroll in a plan if they meet certain criteria. A licensed insurance agent can help you determine whether you are eligible. Benefits may be subject to limitations and annual maximums. Not available with all plans. Availability varies by carrier and location. Transportation to plan-approved locations. Callers will be directed to a licensed insurance agent with a third-party partner of Ring2Media Inc. who can provide more information about Medicare Advantage Plans and/or prescription Drug Plans offer by one or several Medicare-contracted carrier(s). Enrollment in any plan depends on contract renewal. Medicare has neither reviewed nor endorsed the information contained in this advertisement. This information is not a complete description of benefits. For a complete listing of Medicare plans, please contract 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day, 7 days a week, or consult

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