Medicare Basics
MEDICARE PART B
Medical Insurance
Medicare Part B covers medically necessary services like doctor visits, outpatient care, and preventive services. It also covers durable medical equipment (DME) and some home health services. Part B requires a monthly premium.
What It Covers
- ✓ Doctor visits and specialist consultations
- ✓ Outpatient hospital services
- ✓ Preventive services (screenings, vaccines, annual wellness visits)
- ✓ Durable medical equipment (wheelchairs, walkers, oxygen)
- ✓ Mental health services
- ✓ Ambulance services
✕ What It Doesn't Cover
- ✕ Inpatient hospital care (covered by Part A)
- ✕ Prescription drugs (covered by Part D)
- ✕ Routine dental, vision, and hearing
- ✕ Cosmetic surgery
- ✕ Acupuncture (except for chronic low back pain)
💰 Cost Overview
The standard 2026 Part B premium is $185.00/month. Higher-income beneficiaries pay more (IRMAA). The annual deductible is $257 in 2026.
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