Medicare Part B — Medical Insurance
The component of Original Medicare that covers outpatient care, doctor visits, preventive services, ambulance services, and durable medical equipment.
Official source: medicare.gov
Medicare Part B helps pay for visits to the doctor, outpatient care from hospitals, and other medical services and supplies like medical equipment or ambulance rides. Most people age 65 or older who get Social Security can get Part B. It also covers some people with disabilities. After you pay a yearly deductible (about $283 in 2026), Medicare generally pays 80% of the cost for approved services, and you pay the remaining 20%. The standard monthly cost for Part B is around $202.90 in 2026, but some people pay more based on their income (IRMAA). A common mistake is not signing up for Part B when you first become eligible. If you don't have other health insurance that Medicare considers "creditable," you could face a permanent penalty of 10% added to your monthly premium for every 12 months you delay enrollment. You usually need to sign up for Part B; it doesn't always start automatically.
In real life
- A person's yearly wellness doctor's visit is covered by Medicare Part B.
- Someone needing a new wheelchair would have it covered by Medicare Part B.
- A patient's ambulance ride to the hospital is paid for by Medicare Part B.
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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.
Source: medicare.gov