Understand Your Medicare Part B Benefits
Serving California, Oregon and Nevada
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 Features for 2025-2026:
- Monthly Premium: Most people pay a standard monthly premium of $184.50 (amount may vary based on income).
- Annual Deductible: $250.00.
- Coinsurance/Copay: After meeting the deductible, Medicare Part B typically covers 80% of approved services. You are responsible for the remaining 20%, with no cap on out-of-pocket costs unless you have supplemental insurance (such as a Medigap plan).
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.
