We know that medicare is responsible to pay for the healthcare expenses of the people who get themselves enrolled in their programs. It pays many of the costs for medication and hospitalization which is helpful to huge population throughout America. If you are getting the Medicare policy, you need not to pay for anything for your treatment and doctor visits but in that case you have to get yourself enrolled in the Part B of Medicare’s plans. Since Part B is the one that takes care of providing you with the medical charges.

If you have to get treated for some ailment or your doctor has written for you some test, then being a member of Medicare Part B, your doctor and your test lab are bound to take only the money that Medicare has agreed to pay. The bill will be directed to Medicare and you won’t need to pay a single penny for it. But that is possible only if your doctor agrees to Medicare assignment of the charges. For example, if Medicare has established the rule for cost of a specific test to be only $100, then your doctor cannot ask for more than that.

However, if your doctor does not agree to Medicare assignment he has the liberty to charge you more than that but in that case only 15% more of the cost could be charged. This extra charges are known as the Part B excess charges since they are something more than the original charges from medicare. Now if Medicare allows only $100 to be charged for a specific test, then your doctor who does not agree to Medicare assignment can only charge you $15 more than the actual rate so you get to pay $115 for the test.

If you know and understand how the excess charges work, you can easily avoid them and save your money on the medical treatment. The first thing to consider here is to visit the doctors who agree to the Medicare assignments of the charges for healthcare. There is a list of approved rates from Medicare that it considers very fair for the treatments and medication so anywhere that you go in the United States you are going to get those rates available for you at every place. Secondly, you could get the treatment from the provider and get a file to ask Medicare to do the reimbursement for the excess charges.