Quick answer: Medicare Part B is medical insurance. It covers doctor visits, outpatient care, preventive services, and durable medical equipment. Most people pay a $202.90 monthly premium in 2026, plus a $283 yearly deductible and 20% coinsurance after that.
What Part B Covers
- Doctor visits and outpatient care
- Preventive services (many at $0) — see the full list below
- Durable medical equipment (wheelchairs, walkers, oxygen)
- Ambulance transportation
- Outpatient mental health services
- Limited home health services
- Second opinions before surgery
What It Costs in 2026
Standard premium: $202.90/month. Annual deductible: $283. After the deductible, you typically pay 20% coinsurance for covered services. Higher earners pay more through IRMAA. See the full 2026 cost breakdown.
Preventive Care: Often $0
Your first “Welcome to Medicare” visit, an annual wellness visit, and a wide range of cancer screenings, diabetes support, and vaccines are covered, often at no cost. Colorectal cancer screening coverage expanded in 2026 to include CT colonography as an option. See the full preventive services list.
A 2026 Change Worth Knowing: Telehealth
Starting January 31, 2026, most Medicare telehealth visits require you to be at a rural office or facility rather than simply anywhere with an internet connection, with a few exceptions. See what’s changing.
Avoiding the Late Enrollment Penalty
Delaying Part B without qualifying employer coverage can mean a permanent 10% premium increase for every year you waited. See how the penalty works and how to avoid it.
Frequently Asked Questions
Do I need Part B if I have Part A?
Almost always, yes. Part A only covers hospital-related care; Part B covers your regular doctor visits and outpatient care. Without it, routine appointments aren’t covered at all.
Is Part B ever free?
No, nearly everyone pays a monthly premium for Part B, unlike Part A which is premium-free for most people.
What’s the difference between Part B and Part A?
Part A covers hospital, skilled nursing, hospice, and home health. Part B covers doctor visits, outpatient care, and preventive services. See our Part A vs. Part B comparison.
