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Part B

Medicare Part B covers doctors' bills, outpatient hospital care, home-based physical therapy, lab tests and X-rays, chiropractic care, durable medical equipment, ambulance services, and a limited number of prescription drugs. Part B is optional and there is a monthly premium and an annual deductible.

Part B monthly premium depends on cost of living and when you enrolled. It is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you don't get any of the above payments, Medicare sends you a bill for your Part B premium every three months.

Medicare Part B:
Helps cover doctor services and outpatient care.
Helps cover some preventive services to help maintain a person's health and to keep certain illnesses from getting worse.
Generally pays 80% of the Medicare-approved amount for covered services.
If you didn't sign up for Medicare Part B when you first became eligible, you may be able to sign up during the General Enrollment Period. This period runs the first 45 days of every year. During this time, you can sign up for Medicare Part B at your local Social Security office. Visit Social Security online to find the office closest to you.

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