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.
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Frequently asked questions about Medicare Part B
What is 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).
Who qualifies for Medicare Part B?+
Late enrollment penalty: 10% added to your premium permanently for each 12-month period you delayed without creditable coverage.
How do I apply for Medicare Part B?+
Most people are enrolled automatically at 65. To pick a plan or sign up manually, go to medicare.gov or call your free SHIP counselor.
Where can I get help?+
Call your free State Health Insurance Assistance Program (SHIP) for one-on-one Medicare counseling at no cost, or compare plans at medicare.gov.