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Medicare Part B: Medical Insurance

Coverage for doctor visits, outpatient care, and preventive services

What Part B Covers

  • Doctor's services and outpatient care
  • Preventive services (screenings, vaccines)
  • Medical equipment (wheelchairs, walkers)
  • Ambulance services
  • Mental health services
  • Lab tests and X-rays

Costs in 2025

Standard Premium: $185.00/month

Deductible: $257 per year

Coinsurance: 20% of Medicare-approved amount after deductible

When to Enroll in Part B

If you're already receiving Social Security benefits when you turn 65, you'll be automatically enrolled in Part B. Otherwise, you need to sign up during your Initial Enrollment Period.

Important: Delaying Part B enrollment can result in a late enrollment penalty of 10% for each full 12-month period you could have had Part B.

Get Enrollment Help

Part B and Employer Coverage

If you have employer coverage and are still working, you may be able to delay Part B without penalty. Gary can help you understand your options.