Part B Medicare: An Overview

By Roz Jones

As a caregiver, you may be responsible for managing your loved one’s health care. If your loved one is enrolled in Medicare, you may be wondering what Part B covers and how it works. Here’s a quick overview of Part B Medicare.

What is Part B Medicare & What Does it cover?

Part B is sometimes called “Medigap” coverage because it helps cover some of the costs not covered by Part A. This can include things like outpatient care, preventive services, and durable medical equipment. 

Who is eligible for Part B Medicare?

In order to be eligible for Part B Medicare, your loved one must be 65 years of age or older and a United States citizen or legal permanent resident. Your loved one may also be eligible if you are under 65 years old and have a disability.

What Doesn’t Medicare Cover?

There are some services that Part B does not cover. It is important to note that Part B Medicare does not cover hospitalization costs of nursing home care. These include long-term care, dental care, eyeglasses, and hearing aids. Additionally, Part B has a deductible that must be met before coverage begins. Once the deductible is met, Part B pays for 80% of covered services. Your loved one is responsible for the other 20%. 

How much does Part B Medicare cost?

Part B also has an out-of-pocket maximum. This is the most your loved one will have to pay for covered services in a year. Once the out-of-pocket maximum is met, Part B pays for 100% of covered services for the rest of the year. 

As a caregiver, it is important to be aware of the different types of coverage that are available through Medicare. In this blog post, we’ve given you an overview of what Part B Medicare is and what it covers. We hope this information will be helpful to you as you navigate the world of healthcare with your loved ones.

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Are you a Caregiver who is struggling with being confident in the decisions you have to make for your aging clients or loved ones? Check out the latest episode of The Caregiver Cafe Podcast to learn why you should trust your gut!

As a caregiver, should you trust your gut when making decisions that affect your loved one?
Research has shown that when people base decisions on their instincts, they often come up with the correct answers to problems.

In this episode, I share why you should trust your gut when responsible for the health and well-being of a loved one.

Press play to listen in.

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Caregiving can be a roller coaster of ups and downs. The information that you will receive from The Caregiver Cafe Weekly Specials Newsletter will support you as a caregiver. Remember…

1. YOU ARE NOT ALONE: The problems you face as a caregiver are experienced by other caregivers. Knowing that you’re not alone can be comforting. 

2. Tools and Resources:  Find caregiver stress management tools and gain perspective from other caregiver’s experiences.

3. LEARN TO: Ask for help, accept help when it is offered, and acknowledge yourself on this caregiving journey. Hear from experts on how to balance caregiving responsibilities by taking care of your needs and involving others to help manage the natural stress and isolation of being a caregiver. 

Medicare, Medicaid, and Hospice Care: What Services Are Covered?

By Roz Jones

When a loved one is nearing the end of their life, it’s important to know what kind of care is available to them and how it will be covered. Hospice care is a type of skilled care that focuses on providing comfort and support to patients who are facing a terminal illness. While hospice care can be provided in a variety of settings, including hospitals, nursing homes, and at home, most hospice care is provided in the home.

Medicare and Medicaid are two government-sponsored programs that can help cover the cost of hospice care. In general, Medicare will cover hospice care for patients with a life expectancy of six months or less, while Medicaid will cover hospice care for patients with a life expectancy of two months or less.

What Services Are Covered Under Medicare?
Medicare will cover all services related to the terminal illness and its management, including:

  • Doctor services
  • Nursing care
  • Medical equipment (like hospital beds)
  • Prescriptions
  • Home health aides
  • Social work services
  • Dietician services
  • Spiritual counseling
  • Grief counseling
  • Short-term inpatient care (for pain and symptom management)

What Services Are Covered Under Medicaid?

In addition to the services covered under Medicare, Medicaid will also cover:

  • RN Case Management Services (which may include physician services, social work services, homemaker services, and physical therapy)
  • Respite Care (to give caregivers a much-needed break)

When it comes time to make decisions about end-of-life care, it’s important to know what options are available and how they will be covered. Hospice care is a type of skilled care that focuses on providing comfort and support to patients who are facing a terminal illness. Medicare and Medicaid are two government-sponsored programs that can help cover the cost of hospice care. In general, Medicare will cover hospice care for patients with a life expectancy of six months or less, while Medicaid will cover hospice care for patients with a life expectancy of two months or less. Knowing what services are covered under each program can help you make the best decision for your loved one’s care.

Are you interested in learning more about this topic? Subscribe to The Caregiver Cafe Newsletter below!


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ATTENTION: INSTAGRAM UPDATE!!!

Thank you for your patience with me as I attempted to gain access to my Instagram account @rozjonesenterprises! Unfortunately, I have been prompted to create a NEW Instagram account.

Be sure to follow my new Instagram page @rozcaregiverconsulting!

(Click the link above to access my new Instagram page with ease!)


Subscribe to The Caregiver Cafe Weekly Newsletter!

Caregiving can be a roller coaster of ups and downs. The information that you will receive from The Caregiver Cafe Weekly Specials Newsletter will support you as a caregiver. Remember…

1. YOU ARE NOT ALONE: The problems you face as a caregiver are experienced by other caregivers. Knowing that you’re not alone can be comforting. 

2. Tools and Resources:  Find caregiver stress management tools and gain perspective from other caregivers’ experiences.

3. LEARN TO: Ask for help, accept help when it is offered, and acknowledge yourself on this caregiving journey. Hear from experts on how to balance caregiving responsibilities by taking care of your needs and involving others to help manage the natural stress and isolation of being a caregiver.