Medicare Part B
Doctor Visits and Outpatient Care
Medicare Part B covers a wide range of healthcare services, including doctor visits, outpatient care, durable medical equipment, and various medical and surgical services — both inpatient and outpatient. It also helps pay for physical therapy, speech therapy, diagnostic tests, and medical supplies.
Generally, you can apply for Medicare Part B starting three months before your 65th birthday month and up to three months after your birthday month, giving you a seven-month enrollment window.
What Medicare Part B Covers:
Services provided by doctors and other healthcare professionals
Outpatient care at clinics or hospitals
Home health care services (when medically necessary)
Durable medical equipment (such as wheelchairs, walkers, hospital beds, and similar equipment)
A variety of preventive services, including screenings, vaccinations, and annual "Wellness" visits
What Medicare Part B Does Not Cover:
Services not considered medically necessary, such as fitness programs, alternative medicine, cosmetic procedures, and elective surgeries
Routine vision, hearing, and dental care — including eye exams, eyeglasses, hearing aids, dental extractions, and dentures
Routine foot care, such as toenail clipping or the removal of corns and calluses (unless related to specific medical conditions like diabetes, cancer, multiple sclerosis, chronic kidney disease, malnutrition, or vein inflammation caused by blood clots)
Long-term care in nursing homes or assisted living facilities
Assistance with daily living activities, such as dressing, bathing, eating, or using the bathroom
Home safety equipment, including emergency alert systems, grab bars, bathtub lifts or seats, stair lifts, and elevators
Medical services received outside of the United States (except under very limited circumstances)
How Much Does Medicare Part B Cost?
In 2025, the standard monthly premium for Medicare Part B is $185.00.
Most people pay this standard amount. However, if your modified adjusted gross income (MAGI), as reported on your IRS tax return from two years ago, is above a certain threshold, you’ll pay the standard premium plus an additional amount known as an Income-Related Monthly Adjustment Amount (IRMAA).
IRMAA is an extra charge added to your monthly premium based on your income level.
For more information, visit: www.medicare.gov/your-medicare-costs/part-b-costs or call 1-800-MEDICARE (TTY 1-877-486-2048), available 24/7.
In 2025, the standard monthly premium for Medicare Part B is $185.00.
Most people pay this standard amount. However, if your modified adjusted gross income (MAGI), as reported on your IRS tax return from two years ago, is above a certain threshold, you’ll pay the standard premium plus an additional amount known as an Income-Related Monthly Adjustment Amount (IRMAA).
IRMAA is an extra charge added to your monthly premium based on your income level.
For more information, visit: www.medicare.gov/your-medicare-costs/part-b-costs or call 1-800-MEDICARE (TTY 1-877-486-2048), available 24/7.
How Much Does Medicare Part B Cost?
Services provided by doctors and other healthcare professionals
Outpatient care at clinics or hospitals
Home health care services (when medically necessary)
Durable medical equipment (such as wheelchairs, walkers, hospital beds, and similar equipment)
A variety of preventive services, including screenings, vaccinations, and annual "Wellness" visits
What Is the Part B Deductible and Coinsurance in 2025?
Annual Deductible: $257.00
Once your deductible is met, Medicare covers 80% of the approved costs for most services, while you are responsible for 20% coinsurance.
This applies to:
Doctor services (including those provided while you're hospitalized)
Outpatient therapy services
Durable medical equipment (DME)
For full details, visit: www.medicare.gov/basics/costs/medicare-cost
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