Medicare Part B is different than Medicare Part A, although they are oftentimes joined together into joint plans. Medicare Part B does not cover expenses for inpatient stays and services. It does cover continued outpatient treatment expenses pursuant to previous inpatient stays, however.

Medicare Part B is particularly beneficial for people under 65 with serious disabilities because of what the plan covers. Continue reading below to learn more about Medicare Part B for enrollees under 65 years of age.

While it is scientifically proven that the elderly are more likely to need certain types of serious medical care, people with severe disabilities also need the type of assistance provided by Medicare Plan B. Plan B deals with expenses related to terminal illnesses, chemotherapy, Pneumococcal vaccines and Diabetes. 

People under 65 with severe disabilities also suffer from emotional or mental disorders including depression and anger due to their reduced quality of life. Medicare Part B also covers drug, alcohol and other mental health/abuse issues.

Medicare Part B is free for people who are under the age of 65 with terminal illnesses such as End-Stage Renal Disease (ESRD) or Lou Gehrig’s disease (ALS). 

The standard premium cost for Medicare Part B as of 2024 is $174.70 per month. Also, unlike Medicare Part A, there are also additional expenses such as copays, co-insurance charges and more. 

Disabled applicants meeting certain low-income requirements might be eligible for lower monthly premiums and reduced out-of-pocket expenses, however. For example, tax records, adjusted gross income and policies in each U.S. state might lower the costs of your Part B plan.

Medicare Part B is an important resource for many people under the age of 65, and for disabled people under 65 to have. Medicare coverage is essential to preventing you from being stuck with high medical bills you cannot afford. It is also essential to receiving the health care you need to improve the quality of your life. 

Please note: For those people unable to qualify for free Medicare Part B, oftentimes people will sign up for Medicare plans first offered during your Initial Enrollment Period (IEP). Delaying Part B enrollment beyond the term of your IEP accrues increasingly higher penalties lasting through the day you choose to sign up.

Next, learn about Medicare Part C, or Medicare Advantage