Medicare Part B: What It Covers and How It Works in 2025.
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Not everyone who is on Medicare needs to go to the hospital. But what everyone does eventually need are lab tests, screenings, and doctor visits. That's where Part B comes in!
Let's take a look below!
What Does Medicare Part B Cover?
A Simple Guide to Outpatient Care
If Medicare Part A is your hospital insurance, then think of Medicare Part B as your day-to-day medical insurance. It helps cover the cost of outpatient services, preventive care, and medically necessary treatments. Let’s break down exactly what it covers—and what it doesn’t—so you can make informed healthcare choices.
What Medicare Part B Covers
Part B is focused on medical services and preventive care:
Doctor Visits and Outpatient Care
Primary care and specialist visits
Outpatient surgery
Urgent care services
Mental health outpatient services
Preventive Services
Flu shots
Cancer screenings (mammograms, colonoscopies, etc.)
Cardiovascular screenings
Annual Wellness Visit
Diagnostic Tests
Lab work
X-rays
MRIs and CT scans (if medically necessary)
Durable Medical Equipment (DME)
Walkers, wheelchairs, oxygen equipment, CPAP machines
Certain Medications
Drugs administered in a clinical setting (like chemotherapy, infusions, or injections)
What Part B Does Not Cover
Prescription drugs you pick up at the pharmacy (unless you have Part D)
Dental, vision, and hearing care
Cosmetic procedures
Long-term care or custodial services
Most over-the-counter products
How Much Does Part B Cost?
Unlike Part A, Part B has a monthly premium. In 2024, the standard premium is $174.70, but it may be higher based on your income.
You’ll also pay:
Annual deductible: $240 (in 2024)
Coinsurance: Typically 20% of the Medicare-approved amount for services
Final Thoughts
Medicare Part B is essential for covering the medical services you use most often. When paired with Part A or a Medicare Advantage plan, it forms the foundation of your health coverage.
📞 Need help deciding how Part B fits into your Medicare strategy? Reach out to Asana Insurance Group for a no-pressure consultation—we’ll help you make confident, informed decisions.
Wishing you health!
Your Medicare Broker,
Ralph
Call us today at: (888) 711-4707 or email: ralph@asanainsurancegroup.com
