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Need an affordable or $0 premium Medicare Advantage Plan?*

Expand your Medicare coverage with a Medicare Advantage Plan. Some plans may offer additional coverage for prescription drugs, dental and vision.

Medicare Part B

3 things to know about Medicare Part B:

  1. It is medical insurance that provides coverage for medically necessary services and preventative services.
  2. You have to pay a monthly premium for it. The standard monthly premium is $135.50 in 2019, but you may pay more or less than that.** 
  3. Coverage for medical services and supplies comes with deductibles, copayments, and coinsurance.

Medicare Part B provides medical insurance coverage. It covers many different services such as doctor visits and medical services.

Part B is optional. If you are automatically enrolled in Medicare Parts A and B, you can opt out of Medicare Part B. When you receive your Medicare card in the mail, just follow the instructions that come attached and send the card back. If you do not follow these instructions, you will be enrolled in Part B and must pay the Part B premiums.


Part B is considered medical insurance. Part B covers a wide variety of medical services, including the following:

  • Initial "Welcome to Medicare" exam 
  • Yearly wellness exam 
  • Doctor services 
  • Ambulance services 
  • Chemotherapy 
  • Diagnostic tests and screenings 
  • Certain pap smear and mammography screenings 
  • Pneumonia and flu vaccinations 
  • Durable medical equipment


Your Part B costs will come in the forms of premiums, deductibles, copayments, and coinsurance.

Part B premiums

Part B comes with a monthly premium. Many people pay the standard premium amount of $135.50 per month in 2019. 

You may pay higher or lower premiums than the standard premium based on how you pay your premium or your yearly income.

Part B deductibles, copayments and coinsurance**

Part B also comes with a $185 annual deductible in 2019. Part B will not cover anything until you pay that amount each year that you use the coverage. 

In addition to the annual deductible, you must pay for a portion of the services covered by Part B. Usually, you must pay 20% of the Medicare-approved amount for a service. Part B covers the other 80%. 

So if your doctor charges Medicare $100 for a service covered by Part B, you could have to pay $20. Part B will pay for the remaining $80.

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*You must continue to pay your Medicare Part B premium.

$0 premium plans may not be available in all areas.

**Medicare.gov, "Medicare 2019 Costs at a Glance." Published 2018. https://www.medicare.gov/your-medicare-costs/costs-at-a-glance/costs-at-glance.html

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.

This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments and restrictions may apply. Benefits, premiums and/or member cost-share may change on January 1 of each year.

MedicareAdvantage.com is a website owned and operated by TZ Insurance Solutions LLC. TZ Insurance Solutions LLC is a licensed and certified representative of A Medicare Advantage [HMO, PPO and PFFS] organization and a stand-alone prescription drug plan with a Medicare contract. Enrollment in any plan depends on contract renewal.

TZ Insurance Solutions LLC and the licensed sales agents that may call you are not connected with or endorsed by the U.S. Government or the federal Medicare program. This website does not contain a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call (877) 486-2048), 24 hours a day / 7 days a week or consult www.medicare.gov.

Not all plans or products are available in all markets. Additional plans may be available in your service area. For a complete listing 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.

Last Updated: 09/12/2017 Accepted