Medicare Part B - Outpatient Medical
What is covered under Medicare Part B?
Part B covers:
Doctor visits
Emergency / Urgent Care
X-Rays and MRI’s
Preventative Services— Annual wellness exams, screenings, vaccines and more.
Lab tests
Durable Medical Equipment (DME)— Wheelchair, walkers, oxygen tanks and more.
Certain injectable medications received at the provider’s facility
How much does Part B cost?
Most people joining Medicare will see that their Part B premiums will be at the ‘Standard rate’, but those making ‘higher than average income’ will need to pay more. If you make higher than average income, you would get a letter from Social Security about your Income related monthly adjusted amount (IRMAA).
Part B Premiums - Based on your filing status and yearly income in 2023.
| 2023 Individual Tax Return |
2023 Joint Tax Return | 2025 Part B Premium |
2025 Part D IRMAA |
|---|---|---|---|
| $106k or less | $212k or less | $185 | None |
| $106,001k - $133k | $212,001 - 266k | $259 | + $13.70 |
| $133,001 - 167k | $266,001 - 334k | $370 | + $35.30 |
| $167,001k - 200k | $334,001 - 400k | $480.90 | + $57 |
| $200,001 - 499,999 | $400,001 - $749,999 | $591.90 | +$78.60 |
| $500k+ | $750k+ | $628.90 | +$85.80 |
Part B - Cost Sharing (what you pay)
| Part B costs | What you pay |
|---|---|
| Deductible | $257 once per year (2025). |
| Coinsurance | Medicare covers 80% You owe 20% |
| There is no maxiumum out-of-pocket limit on the 20% Part B coinsurance. |
For most of us, Original Medicare (Part A & B) is not enough coverage for us. I’m a licensed insurance agent here to guide you through your options so that you can make a well informed decision when choosing the best coverage for you! Contact me today!
For most of us, Original Medicare is not enough
Original Medicare (Part A & B), does not have a limit to how much you can pay in medical bills. This means that you would be liable to pay 20% of your medical bills— no matter the amount.
I’m a licensed insurance agent here to guide you through your options so that you can make a well informed decision when choosing the best coverage for you! Contact me today!