Medicare Part B does not cover all expenses. In general, Medicare pays only 80% of Medicare-approved expenses. You will pay a share of your Part B services, such as:

• Part B deductible ($155 annually in 2010)
• 20% of all additional costs with NO limit on your spending
• All costs for your routine annual physical 

So what is Medicare Part B? Essentially, it's federal insurance that pays 80% of your outpatient needs, which includes those services listed above, and also more serious medical needs like durable medical equipment, chemotherapy, radiation, and dialysis.

Without medicare supplemental insurance coverage, your Medicare Part B outpatient costs can add up very quickly. We can show you how a Texas Medicare supplement (Medigap) or a Texas Medicare Advantage plan to protect yourself against financial exposure.

For free assistance with how to enroll in Part B or with choosing a suitable Medicare supplemental insurance plan for your individual needs, contact our agency for help.