Part B
Medicare Part B is commonly known as medical services. It helps cover doctor services, outpatient services and preventative care. Medicare Part B covers but is not limited to:
– Physician Services
– Ambulance Service
– Clinical Research
– Lab, X-Ray, Diagnostic Tests
– Mental Health
– Outpatient Surgery
– Durable Medical Equipment
– Preventative Services
What Additional Costs Are There?
There is a monthly premium associated with Medicare Part B. The amount you pay is dependent upon your yearly income as reported on your tax returns from the preceding 2 years.
As with Medicare Part A, Medicare Part B has cost sharing associated with it as well. In 2025 each Medicare beneficiary must pay a $257 deductible. Unlike the Medicare Part A deductible, there is no benefit period. The Part B deductible is a one time per calendar year deductible. After the deductible has been met, each Medicare beneficiary must pay 20% of all Medicare Part B covered services. There is no cap on the amount the Medicare beneficiary will pay.
As with Medicare Part A, Medicare Part B has cost sharing associated with it as well. In 2025 each Medicare beneficiary must pay a $257 deductible. Unlike the Medicare Part A deductible, there is no benefit period. The Part B deductible is a one time per calendar year deductible. After the deductible has been met, each Medicare beneficiary must pay 20% of all Medicare Part B covered services. There is no cap on the amount the Medicare beneficiary will pay.
| Part B Premium Table | ||
|---|---|---|
| Beneficiaries that file an individual tax return in 2023 with an income of: |
Beneficiaries that file a joint tax return in 2023 with an income of: |
Premiums for 2025 |
| If Your Monthly Income Is: | Monthly Premium: | |
| $106,000 or less | $212,000 or less | $185.00 |
| $106,001 to $133,000 | $212,001 to $266,000 | $259.00 |
| $133,001 to $167,000 | $266,001 to $334,000 | $370.00 |
| $167,001 to $200,000 | $334,001 to $400,000 | $480.90 |
| $200,001 to $500,000 | $400,001 to $750,000 | $591.90 |
| Beneficiaries who are married but file a separate tax return from their spouse with an income of: |
Monthly Premium: | |
| $106,000 or less | $185.00 | |
| $106,001 to $399,999 | $591.90 | |
| $394,000 and above | $628.90 | |