What Does Medicare Part B Cover?

  • Doctor visits
  • Preventive care
  • Diagnostic and laboratory tests
  • Hospital outpatient services
  • Chemotherapy and radiation treatments
  • ​Kidney dialysis
  • Physical, speech and occupational therapy
  • Durable medical equipment
  • Emergency ambulance services
  • Medicare only covers 80%of Part B medical expenses.

Medicare Supplement Options in Calhoun, Madison & Tuscaloosa, AL

Enrolling in Medicare

  • If you are currently receiving Social Security benefits you will be automatically enrolled in both Medicare Part A and Part B.
  • If you are not receiving Social Security benefits you need to request your Medicare by either going to your local Social Security office to enroll or you can apply online at ​https://www.ssa.gov/medicare/

Steve Adlman

Medicare Made Clear

Birmingham, Alabama

Bus (205) 616-9787

Part B Excess Charges

What Does Medicare Part A Cover?

  • Inpatient hospital stay
  • Skilled nursing facility confinement (rehab)
  • Hospice and some home health care
  • Doctors who accept Medicare assignment have agreed to accept the approved Medicare amount for services.  That means doctors cannot charge you more than what Medicare pays for the service.  Doctors who don't accept assignment can charge more than what Medicare will pay for services and if they do this referred to as ​excess charges.  The limit on excess charges is 15% above the Medicare approved amount. Medicare punishes doctors who do not want to accept what Medicare agrees to pay for the service.  First, Medicare will only pay doctors at the rate of 95% when they want to charge more than the Medicare approved amount.  Second, when Medicare approves the claim the check is paid to the patient not the doctor, and the doctor is responsible for collecting the entire amount from the patient. 
  • It is highly unlikely that your doctor would charge more than what Medicare allows.  96% of doctors accept Medicare assignment which means they only charge what Medicare has agreed to pay.  Plan F and Plan G are the only two Medigap plans that cover excess charges and I would not base your decision to enroll in either one of these plans just because they cover excess charges.    

What Are The Part A and Part B Deductibles?

  • Part A deductible for an inpatient hospital stay is $1,316
  • Part B annual deductible for doctor office visits and outpatient medical services is $183

Call Us:  205-616-9787


Alabama Medicare Plans


Birmingham, AL 

How Much Is the Medicare Part B Premium?

  • For people enrolling in Part B of Medicare in 2017 the standard premium is $134.
  • If your income is more than $85,000 (single) or more than $170,000 (married) you may have to pay a higher Part B premium.
  • ​If you are going to continue to work once you turn 65 and your employer has more than 20 employees you may not need to enroll in Part B or Part D of Medicare.

​Birmingham, AL