Medicare Part B
The component of Original Medicare that covers outpatient care, doctor visits, preventive services, ambulance services, and durable medical equipment.
Standard 2025 premium: ~$185/month (higher with IRMAA surcharges). Covers 80% of approved costs after the annual deductible (~$257); you pay 20%. Late enrollment penalty: 10% added to your premium permanently for each 12-month period you delayed without creditable coverage.
→ You must actively enroll in Part B — it is not automatic for everyone.
Also known as
Related terms
- IRMAA
An additional premium surcharge added to Medicare Part B and Part D premiums for beneficiaries whose income exceeds certain thresholds, based on modified adjusted gross income (MAGI) from two years prior.
- Medicare Part A
The component of Original Medicare that covers inpatient hospital care, skilled nursing facility care (following a hospital stay), hospice care, and limited home health services.
- Medicare Part D
The component of Medicare that provides prescription drug coverage through private plans approved by Medicare.
- Medigap
Private insurance policies that fill the 'gaps' in Original Medicare coverage — paying for Part A and B deductibles, coinsurance, copayments, and in some plans, foreign travel emergencies.
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Frequently asked questions about Medicare Part B
What does Medicare Part B cover?+
Medicare Part B helps pay for important outpatient medical services. This includes visits to the doctor's office, check-ups to prevent illness, and ambulance rides. It also covers durable medical equipment like wheelchairs or walkers, along with many other health supplies and services that don't need an inpatient hospital stay.
Who is eligible for Medicare Part B?+
Most people who are 65 or older and are U.S. citizens or legal residents for at least five years are eligible for Medicare Part A and can enroll in Part B. You might also qualify if you have certain disabilities, even if you are under 65. End-Stage Renal Disease (ESRD) or ALS can also make you eligible.
How do I sign up for Medicare Part B?+
If you are already getting Social Security retirement benefits, you will usually be signed up for Medicare Part A and B automatically when you turn 65. If not, you can sign up through the Social Security Administration website or by visiting a local office during your initial enrollment period.
How much does Medicare Part B cost?+
Most people pay a monthly premium for Medicare Part B. This amount can change each year. The premium is usually taken out of your Social Security benefits automatically. Some people with higher incomes might pay a higher premium. There is also an annual deductible you must pay before Part B starts to cover costs.