Medicare Part B (Outpatient Services)

Coverage for Everyday Care and Outpatient Services

Medicare Part B helps cover the medical services you’re most likely to use, like doctor visits, outpatient care, lab tests, preventive screenings, and medications given in a clinical setting. It functions like traditional health insurance, but understanding how and when to enroll is key to avoiding penalties and unexpected costs.

What Medicare Part B Covers

From Doctor Visits to Diagnostic Tests


Part B pays for many of the essential services you need to stay healthy and manage conditions:


  • Doctor and specialist visits
  • Lab work and imaging (X-rays, MRIs, etc.)
  • Preventive services and screenings
  • Outpatient surgeries and rehab
  • Durable medical equipment (DME)
  • Certain medications given in-office (like chemotherapy or infusion drugs)


Unlike Part A, which only applies when you’re admitted to a hospital, Part B is used for day-to-day healthcare needs. But it also comes with important cost-sharing rules you need to understand.

Cost and Entrollment

What You'll Pay and When to Enroll

For most people, the standard Part B premium in 2025 is $185.00 per month. If your income is above a certain level, you may pay more under IRMAA (Income-Related Monthly Adjustment Amount).


Here’s how Part B costs break down:


  • Annual deductible: $257 in 2025
  • Medicare pays: 80% of approved costs
  • You pay: 20% of approved costs
  • Excess charge: Some providers may charge up to 15% more than Medicare allows
  • Part B drugs: Medicare pays 80%, and you pay 20% for drugs given in-office


Important: Part B has no out-of-pocket maximum (MOOP)—meaning your costs can continue to add up unless you have supplemental coverage.

Client Services

Need a Medicare Form? Start Here.

If you’re enrolling in Medicare Part B without taking Social Security, applying for Extra Help, or requesting an IRMAA adjustment, you may need to submit official Medicare forms.

How Part B Works With Other Coverage

Part B is just one part of your coverage. To protect yourself from major out-of-pocket expenses, you may also need:

A white background with a few lines on it

Part A for hospital care

A white background with a few lines on it

Part D for prescription drug coverage

A white background with a few lines on it

A Medicare Supplement Plan to help pay what Parts A and B don’t

A white background with a few lines on it

Or a Medicare Advantage Plan that combines everything into one

I’ll help you explore your options and find the right mix of coverage for your needs and budget.

865-816-9995
A man is giving a piece of paper to another man.

Ongoing Support at No Cost

We offer annual Medicare plan reviews at no cost during Open Enrollment. It’s how we help you save money, stay ahead of coverage changes, and feel confident in your plan. There’s never a cost for our service, but real support, year after year.

Ready to Enroll or Review Your Part B Coverage?

Whether you’re just getting started or reviewing your current plan, I’ll walk you through your options and help you make confident, informed choices about your care.


Schedule a time that works for you or reach out directly—I’m here to help.

Schedule a meeting