What Is Part B (Medical Insurance)?

Part B helps cover medically-necessary services like doctors’ services, outpatient care, home health services, and other medical services. Part B also covers some preventive services. Check your Medicare card to find out if you have Part B.

How Much Does Part B Cost?

If you have Part B, you pay a Part B premium each month. Most people will pay the standard premium amount. Social Security will contact some people who have to pay more depending on their income. If you do not sign up for Part B when you are first eligible, you may have to pay a late enrollment penalty.

How Do I Get Part B?

Some people automatically get Part B and it will come in the mail three months before your 65th birthday or your 25th month of being disabled.  If you are not eligible to automatically receive it you can apply online at Social Security, visit your local Social Security Office, or call Social Security.

What Does Part B Cover?

Part B covers two types of services:

  • Medically-necessary services

Services or supplies that are needed to diagnose or treat your medical condition and that meet accepted standards of medical practice.

  • Preventive service

Health care to prevent illness or detect it at an early stage, when treatment is most likely to work best. Refer to our “Preventive Health Benefits” page to learn more.

To find out if Part B covers something specific, visit Your Medicare Coverage.