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This is the second half of original Medicare. Part B helps to pay for care at a clinic or at a hospital as an outpatient including:
- Physician services, including in the hospital
- An annual wellness visit and preventive services, like flu shots and mammograms
- Lab services, like blood tests
- X-rays and some other diagnostic tests
- Some health programs, like smoking cessation, obesity counseling and cardiac rehab
- Physical therapy, occupational therapy and speech-language pathology services
- Diabetes screenings, diabetes education and certain diabetes supplies
- Mental health care
- Durable medical equipment for use at home, like wheelchairs and walkers
- Ambulatory surgery center services
- Ambulance and emergency room services
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Part B Costs:
Premium
- You will pay a monthly premium, currently $202.90 (2026).
- Your premium is prorated by your income. If your reported income from 2 years prior is above the designated level, you will pay a higher premium, as much as $689.90 (2026).
- You are required to have Part B if you are 65 and don’t have health coverage through another source.
- If you have Medicare and Medi-Cal, Medi-Cal pays your premium.
Deductible
- You have an annual deductible, which is $283 currently in 2026.
Coinsurance
- You generally pay 20% of the Medicare-approved amount for most covered services after you pay the deductible, with no annual out-of-pocket maximum. Medicare pays the remaining 80%.
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STEP 1: EDUCATION
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STEP 2: COMPARISON
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STEP 3: NO FUSS ENROLLMENT
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STEP 4: FREE LIFETIME SERVICE
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We are not affiliated with or endorsed by any government agency or the Federal Medicare Program. This is for educational purposes only and simply reflects our understanding of Medicare issues in effect at the time of publication. Individual situations vary and the personal impact of various strategies should be carefully considered. Nothing on this site shall be considered specific advice.
