Understand Your Medicare Part B Benefits
Serving clients in California, Oregon, Nevada and Arizona, subject to licensing and plan availability.
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 costs for 2026
- Standard monthly premium: $202.90 for most people; higher-income beneficiaries may pay more.
- Annual deductible: $283.
- General coinsurance: usually 20% of the Medicare-approved amount after the deductible when the provider accepts assignment.
Amounts shown are for 2026 and can change annually. Verify current Medicare costs.
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.
Frequently Asked Questions
Do I need Part B if I am still working?
The answer depends on your employer coverage, company size, and enrollment timing. Review your circumstances before delaying Part B.
Does Part B cover every doctor bill?
No. Medicare rules, approved amounts, deductibles, and coinsurance affect what you pay.
What kinds of services can Part B cover?
Part B helps cover medically necessary services and many preventive services, including physician care, outpatient care, and certain durable medical equipment.
Does Original Medicare have a yearly out-of-pocket limit?
Original Medicare does not have a yearly out-of-pocket limit unless you have other coverage that limits your costs.
Questions about your options?
Availability and eligibility depend on your location and circumstances. Contact us to confirm represented options before making a coverage decision.
Contact Gaddis & Mast