Medicare Part B – Medical Services
If you have Medicare, Part B helps cover the medical care you get outside a hospital — things like doctor visits, tests, and outpatient services.
What Part B Covers
Visits to your doctor or specialists
Emergency or urgent care
X-rays, MRIs, lab tests
Preventive services: wellness exams, screenings, vaccines
Durable medical equipment (such as walkers, wheelchairs, oxygen…)
Certain injectable medications given in a clinical setting (Part B drugs)
How Much You’ll Pay (in 2025)
Premium
Most people pay the standard Part B premium. If your income is higher than average, you’ll pay an extra amount called IRMAA (Income-Related Monthly Adjustment Amount). see the chart below to estimate your Part B premium.
Deductible & Coinsurance
Annual deductible: $257
After that, Medicare covers 80%, and you pay 20%
Note: There is no cap on how much you might pay for that 20% portion.
Why Part B Alone Might Not Be Enough
Even though Part B helps a lot, health care costs can still stack up — especially for serious medical care.
That’s why many people combine Original Medicare (Part A and Part B) with additional coverage like a Medicare Advantage, Medicare Supplement with a Part D plan to cover the gaps and manage costs more predictably.