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Medicare Part B

Medicare Part B

Medicare Part B is the Outpatient or Medical portion of Medicare. Part B is quite simple to understand as it covers everything medically necessary that you would not be admitted for. Some examples would be:

  • Service provided from doctors and other health care providers
  • Outpatient Care
  • Home Health Care
  • Durable Medical Equipment
  • Many Preventive Services

Medicare Part B has a premium ($144.60 in 2020) for  most individuals. You can pay more if you fall into a certain income bracket. This is called (IRMAA) or the Income Related Monthly Adjustment Amount. Medicare Part B can be an optional portion of Medicare to sign up for, but only if you are covered by an active Group Employer Plan (or a spouses'). It cannot be Cobra or a retirement plan. If you do not sign up for Medicare Part B (3 months before your 65 birthday or 3 months after), you could be penalized and locked out until the next enrollment period of January 1st through March 31st, for a July 1st effective date.

To make sure you are eligible for Medicare Part B, you should contact Social Security at 1-800-772-1213. 

To see what Medicare Part A does not cover in regards to deductibles, co-pays, and co-insurance, please "Click Here"

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