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Medicare Part B is medical insurance. Together, Medicare Parts A and B are known as Original Medicare.
Medical services and supplies covered by Medicare Part B may include doctor visits, laboratory tests, X-rays, emergency ambulance services, mental health services, durable medical equipment, preventive services, and rehabilitative care such as physical therapy, occupational therapy, and speech-language pathology services.
You will generally pay both a monthly premium and a yearly deductible for Medicare Part B. In 2026, the standard Part B monthly premium is $202.90, and the annual Part B deductible is $283. Your premium may be higher if your income is above certain limits based on your tax return from two years ago.
If any of the following applies to you, you will generally pay $202.90 for your Part B premium in 2026:
If your yearly income in 2024 was above certain limits, you may pay a higher Medicare Part B premium in 2026.
| If your yearly income in 2024 was | You pay each month in 2026 | ||
|---|---|---|---|
| File individual tax return | File joint tax return | File married & separate tax return | Monthly premium |
| $109,000 or less | $218,000 or less | $109,000 or less | $202.90 |
| Above $109,000 up to $137,000 | Above $218,000 up to $274,000 | Not applicable | $284.10 |
| Above $137,000 up to $171,000 | Above $274,000 up to $342,000 | Not applicable | $405.80 |
| Above $171,000 up to $205,000 | Above $342,000 up to $410,000 | Not applicable | $527.50 |
| Above $205,000 and less than $500,000 | Above $410,000 and less than $750,000 | Above $109,000 and less than $391,000 | $649.20 |
| $500,000 or above | $750,000 and above | $391,000 and above | $689.90 |
After your deductible is met, you typically pay 20% of the Medicare-approved amount for covered Part B services. Some outpatient services may also include copayments or coinsurance.
If you don't enroll in Medicare Part B when you're first eligible, you may have to pay a late enrollment penalty, which increases your monthly premium. This penalty may not apply if you qualify for a Special Enrollment Period (SEP).
Once your deductible is met, you typically pay:
You may have coinsurance or copayments for services such as:
Some Medicare Advantage and Medicare Supplement plans may offer additional services beyond Medicare Part B. These may include wellness programs, routine vision benefits, dental benefits, or other plan-specific extras.
Contact us today to learn more about Medicare Part B and coverage options that may fit your needs.
Medicare Part B helps cover medically necessary outpatient services and supplies, including doctor visits, lab tests, X-rays, emergency ambulance services, mental health services, durable medical equipment, preventive screenings, and rehabilitative therapy services.
In 2026, the standard Medicare Part B monthly premium is $202.90. Some people pay more if their income is above certain limits based on their tax return from two years prior.
The Medicare Part B annual deductible is $283 in 2026. If the deductible applies, you pay covered costs until the deductible is met before Medicare begins paying its share.
After your deductible is met, you typically pay 20% of the Medicare-approved amount for covered Part B services. Some outpatient services may also include copayments or coinsurance.
Yes. If your income is above certain thresholds, you may pay an Income-Related Monthly Adjustment Amount, often called IRMAA. For 2026, this is based on your 2024 tax return.
Yes. If you do not enroll in Medicare Part B when you are first eligible, you may have to pay a late-enrollment penalty unless you qualify for a Special Enrollment Period, such as through certain employer coverage.
Medicare Part B may cover certain medications administered by a physician or in an outpatient setting. Most self-administered prescription drugs are usually covered through Medicare Part D or a Medicare Advantage plan that includes drug coverage.
Yes. Some Medicare Advantage plans may include benefits Original Medicare does not typically cover, such as routine dental, vision, hearing, or wellness benefits. Medicare Supplement plans may help with certain out-of-pocket costs from Original Medicare.
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