Medicare Part B Coverage and Costs

Original Medicare is made up of two parts: Medicare Part A and Medicare Part B. Medicare Part B is also known as medical insurance and helps cover medical services and supplies that help treat health conditions or prevent disease.

Some examples of the types of services covered under Medicare Part B include:

  • Yearly wellness exams and preventive services
  • Doctor services
  • Ambulance services
  • Durable medical equipment
  • Mental health services

Man and nurse smiling in a doctor's office

Medicare Part B Costs

Medicare Part B requires you to pay a monthly premium for your Part B benefits. In 2019, the standard Part B premium is $135.50 per month.

Medicare Part B also has some out-of-pocket costs that you must pay, including:

  • Part B deductible
    In 2019, the Medicare Part B deductible is $185 per year
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  • Part B coinsurance
    Once your Part B deductible is met, you pay 20% of the Medicare-approved amount for covered services. This 20% cost is known as the Medicare Part B coinsurance.

What Medicare Part B Doesn’t Cover

Medicare Part B does not cover hospital or skilled nursing facility costs. Your Medicare Part A benefits cover these types of services.

Neither Medicare Part A or Medicare Part B cover:

  • Prescription drugs
    You can get Medicare prescription drug coverage in one of two ways. You can either enroll in a standalone Medicare prescription drug plan (Medicare Part D), or you can join a Medicare Advantage plan (Medicare Part C) that offers prescription drug coverage.
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  • Dental care
    Medicare Part B doesn’t cover routine dental care, such as teeth cleanings, dental X-rays or other services. Some Medicare Advantage plans offer coverage for dental care.
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  • Vision care
    Medicare Part B does not cover routine vision care, glasses or contact lenses. Some Medicare Advantage plans offer vision benefits.
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  • Hearing services or hearing aids
    Medicare Part B does not cover routine hearing care, hearing aids or the maintenance costs that can come with having hearing aids. Some Medicare Advantage plans may offer hearing benefits.

Not all Medicare Advantage plans offer these benefits. Plan availability can vary based on where you live.

What Is Medicare Advantage?

Medicare Advantage is an alternative to Original Medicare that is sold by private insurance companies. Every Medicare Advantage plan provides at least the same benefits as Medicare Part A and Medicare Part B combined in one plan.

If you are interested in finding a plan that may offer more coverage than Medicare Part B and Part A, you can speak with a licensed insurance agent to find Medicare Advantage plans that may be available in your area.

Call TTY Users: 711 24 hours a day, 7 day s a week to speak with a licensed agent.

 

Learn more about what Medicare covers

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MedicareAdvantage.com is a website owned and operated by TZ Insurance Solutions LLC. TZ Insurance Solutions LLC and TruBridge, Inc. represent Medicare Advantage Organizations and Prescription Drug Plans having Medicare contracts; enrollment in any plan depends upon contract renewal.

Plan availability varies by region and state. For a complete list of available plans, please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.

Medicare has neither reviewed nor endorsed this information.