Maryland Life and Health Insurance License Practice Exam

What is covered by Medicare Part B?

1. Doctor's charges

2. Long-term care services

3. Preventive health services only

4. Vision care expenses

The correct answer is: Doctor's charges

Medicare Part B primarily covers outpatient care, which includes a range of medical services and supplies that are necessary for the diagnosis or treatment of a medical condition. This includes doctor's charges, making it a crucial aspect of the Medicare program for beneficiaries needing regular medical attention or specialist services. While it is true that Medicare Part B does include coverage for preventive health services, its scope is much broader than just preventive care; it also encompasses a variety of other essential services, like laboratory tests, outpatient mental health services, and certain vaccinations. Long-term care services, in contrast, are not covered under Medicare Part B; these services typically require different types of insurance or personal funding options. Similarly, while some vision care services may be covered under Part B, such as specific eye exams related to medical conditions, general vision care expenses, like routine eye exams and glasses, are largely excluded from coverage. The emphasis on doctor's charges as a key component of Part B highlights its role in ensuring beneficiaries have access to necessary medical professional services, affirming that Option A accurately represents a core function of Medicare Part B.