Medicare Part B covers your medical care outside the hospital. It helps pay for doctor visits, outpatient care, preventive services, and certain medical equipment. Unlike Part A, Part B usually has a monthly premium.
What Part B Covers
- Doctor and specialist visits – routine checkups, specialist care, and follow-ups
- Outpatient care – procedures and tests that don’t require a hospital stay
- Preventive services – screenings, vaccines, and annual wellness visits
- Durable medical equipment (DME) – wheelchairs, walkers, oxygen, and other medically necessary equipment
- Mental health services – outpatient counseling and therapy sessions
Costs to Consider
- Monthly premium – Most people pay around $174.70/month in 2026, but it may be higher based on income
- Deductible – You pay a yearly deductible before coverage kicks in
- Coinsurance – Typically 20% of the Medicare-approved amount for services after the deductible
Who Should Enroll?
- People turning 65 who are eligible for Medicare
- Anyone with a disability who has received Social Security benefits for 24 months
- Individuals with certain conditions like End-Stage Renal Disease (ESRD) or ALS
Tip: If you’re still working and have creditable employer coverage, you may delay Part B enrollment without penalty. But timing is crucial — we can help you navigate this.
Why Part B Matters
Part B protects you from high medical costs for services outside the hospital. It’s essential for routine care, chronic condition management, and preventive screenings that keep you healthy.
Next Steps in Minnesota
- Confirm your enrollment window and deadlines
- Understand monthly premiums, deductibles, and coinsurance
- Pair Part B with Part A and optional coverage like Medigap or a Medicare Advantage plan for full protection
YourMedicareMN can help you choose the right coverage for your medical needs and budget.
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