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Medicare Part B (Medical Insurance) helps cover 2 types of services: Medically necessary services: Services or supplies that meet accepted standards of medical practice to diagnose or treat your medical condition. Preventive services: Health care to prevent illness (like the flu) or detect it at an early stage when treatment is likely to work best.
Original Medicare includes Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance). Original Medicare covers things like inpatient hospital care, doctors’ services and tests, and preventive services. You pay for services and items as you get them.
Next step: Understand what Part B covers. Take action: Find out if Medicare covers a test, item, or service you need. Learn more: Learn what Original Medicare doesn’t cover. Medicare Part A helps pay for inpatient care you get in hospitals, critical access hospitals, and skilled nursing facilities.
Medicare Part A (Hospital Insurance) and/or Medicare Part B (Medical Insurance) cover eligible home health services as long as you need part-time or intermittent skilled services and you’re “homebound,” which means:
Medicare Part B (Medical Insurance) covers medically necessary doctor services (including outpatient services and some inpatient hospital doctor services you get when you’re a hospital inpatient) and most preventive services.
Choose your payment method, like credit/debit card, Health Savings Account (HSA) card, or checking or savings account, and enter the amount you want to pay. You'll then be linked to the U.S. Treasury's secure Pay.gov site to complete your payment. Use only your Medicare account to pay your premiums.
What you pay 2024: Part B Premium: $174.70 each month ($185 in 2025) (or higher depending on your income). The amount can change each year. You’ll pay the premium each month, even if you don’t get any Part B-covered services. Who pays a higher premium because of income? How do I pay my Part B premiums?
Ask questions so you understand why your doctor is recommending certain services and if, or how much, Medicare will pay for them. Find out more about your coverage for outpatient hospital services. Get info on necessary diagnostic, treatment services covered by Medicare Part B.
Part B helps cover: Services from doctors and other health care providers; Outpatient care; Home health care; Durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment) Many preventive services (like screenings, shots or vaccines, and yearly “Wellness” visits)
You’ll pay the premium each month, even if you don’t get any Part B-covered services. Who pays a higher Part B premium because of income? You might pay a monthly penalty if you don’t sign up for Part B when you’re first eligible for Medicare (usually when you turn 65).