Understand Your Medicare Part B Benefits
Medicare Part B – Medical Insurance
Medicare Part B helps cover medically necessary services such as doctor visits, outpatient care, preventive services, durable medical equipment, and some home health services.
Key Features for 2025:
- Monthly Premium: Most people pay a standard monthly premium (estimated around $174.70 for 2025, subject to income).
- Annual Deductible: $240 (2025).
- Coinsurance/Copay: After meeting the deductible, Medicare Part B typically covers 80% of approved services. You are responsible for the remaining 20%, with no cap on out-of-pocket costs unless you have supplemental insurance (like a Medigap plan).
Examples of Services Covered:
- Doctor’s services
- Lab tests and X-rays
- Physical and occupational therapy
- Preventive services like screenings and vaccines
Having Medicare Part B is essential if you want full access to outpatient medical care under Original Medicare.
