Medicare Part B is your medical insurance, covering doctor visits, outpatient care, and preventive services that help keep you healthy. It ensures you have access to routine healthcare, early disease detection, and necessary medical treatments before they become major health concerns.
A quick guide to understanding what Medicare Part B covers, how it benefits you, and how to enroll.
Doctor Visits
Routine check-ups, specialist appointments, and urgent care visits.
Preventive Care
Screenings for cancer, diabetes, heart disease, and other conditions.
Lab Tests & X-Rays
Blood work, imaging, and diagnostic tests.
Outpatient Procedures
Surgeries and treatments that don’t require an overnight hospital stay.
Mental Health Services
Therapy, psychiatric evaluations, and counseling.
Durable Medical Equipment (DME)
Walkers, wheelchairs, oxygen tanks, and other assistive devices.
Emergency Ambulance Services
When immediate transport to a hospital is needed.
Certain Prescription Drugs
Limited medications, such as chemotherapy or immunosuppressive drugs.
Most people qualify for Medicare Part B if they:
Unlike Medicare Part A, Medicare Part B requires a monthly premium. The standard premium is adjusted yearly and may be higher based on your income. You may also be responsible for deductibles and coinsurance.
Typical Medicare Part B Costs:
Monthly Premium
Based on income, deducted from Social Security if applicable.
Annual Deductible
You must meet this amount before Medicare starts paying.
20% Coinsurance
You typically pay 20% of the Medicare-approved amount for services.
Sign up automatically
If you are already receiving Social Security benefits, you’ll be automatically enrolled.
Enroll manually
If you aren’t receiving benefits yet, you’ll need to apply at SSA.gov or by calling Social Security.
Late enrollment penalty
If you don’t enroll when first eligible, you may pay a higher premium for life.
When to apply
Apply 3 months before your 65th birthday to avoid late penalties.
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