Medicare Part B Covers Doctor And Other Outpatient Medical Services

Some people automatically get Medicare Part B (Medical Insurance), and some people need to sign up for Part B. Your USA Medicare advisers can explain if you need to sign up for Part B and who gets it automatically.

Part B covers a variety of medical services

Medicare Part B (Medical Insurance) covers doctor and other health care providers’ services and outpatient care. Part B also covers durable medical equipment, home health care, and some preventive services.

You pay nothing for most preventive services if you get the services from a health care provider who accepts assignment. Part B covers things like:

  • Doctor visits

  • Clinical research

  • Ambulance services
  • Durable medical equipment (DME)

  • Mental health
    – Inpatient
    – Outpatient
    – Partial hospitalization

  • Limited outpatient prescription drugs

How much does Part B cost?

You pay a premium each month for Part B. Your Part B premium will be automatically deducted from your benefit payment if you get benefits from one of these:

  • Social Security

  • Railroad Retirement Board

  • Office of Personnel Management

If you don’t get these benefit payments, you’ll get a bill.

Part B Premium (including high income Part B & Part D) [paid to Medicare]

Those enrolled in Part B will pay at least the standard $164.90/mo. premium (based on income). Higher income earners will pay a Part B IRMAA (Income Related Monthly Adjustment Amount) in addition to the $164.90/mo. standard premium.

Higher income earners who are enrolled in Part D Prescription Drug coverage also pay a Part D IRMAA in addition to the monthly insurance premium for a Part D prescription drug plan or Medicare Advantage plan that includes Part D coverage (see table below).

Most people will pay the standard premium amount. In 2023 this amount is $164.90 per month.

Part B deductible & coinsurance

2023 Standard Part B Premium $164.90/month (Based on Taxable income 2 years previous of $97K or less Single /$194K or less Married)
2023 Part B Deductible $226

After you meet your deductible for the year, you typically pay 20% of the Medicare-approved amount for these:

  • Most doctor services (including most doctor services while you’re a hospital inpatient)

  • Outpatient therapy

  • Durable medical equipment (DME)

There are 5 different types of Medicare coverage — Part A, B, C, and D, as well as Medicare Supplement plans. Click on an option below to learn more about these types of Medicare coverage.

Part A

Hospital Care

Part B

Outpatient Care

Part C


Part D

Prescription Drug Coverage

Medicare Supplements

Medicare Supplemental (GAP) Plans