What is generally covered by Part B

Part B generally covers medically necessary outpatient services, physician visits, preventive services, durable medical equipment, and other covered outpatient care. After the yearly deductible, Part B typically pays 80% of the Medicare-approved amount for many services, and you pay 20%.

2026 premium and deductible

The standard Part B premium for 2026 is $202.90 per month. The annual Part B deductible is $283. Higher-income beneficiaries may pay an An extra amount some people with higher incomes pay on top of the Part B and Part D premiums. Social Security decides it. It is not a plan fee. surcharge. Confirm current amounts on Medicare.gov.

Enrollment timing matters

Delaying Part B can create a late enrollment penalty and a gap in coverage unless you qualify for a Special Enrollment Period — for example, because you or a spouse is still working and covered by a qualifying employer plan. People leaving employer coverage should look at SEP rules carefully.