Chapter 6: Medicare Part B (Medical Coverage)

Chapter 5: Medicare Part A (Hospital Coverage)


Part B (Medical Insurance Plan) is available for both Original Medicare and Medicare Advantage plans, at no cost, for anyone eligible for Part A. Part B requires monthly premiums, based on your income and is therefore an optional part of the Medicare Plan.

Medicare Part B covers the following:

  • Doctors’ services
  • Outpatient medical/surgical services
  • Diagnostic tests
  • Outpatient therapy
  • Some outpatient mental health services
  • Some preventive health care services
  • Other medical services

Out-of-Pocket Expenses

Out-of-pocket expenses for Medicare Part B include:

  • Monthly cost = $148.50
  • Annual Deductible = $203
  • 20% of Medicare-approved rate for most doctor services
  • 20% of Medicare-approved rate for most outpatient mental health services

Medicare Part B has a modest annual deductible of $203 and, if you enroll for the first time in 2021, a monthly premium of $148.50. This can increase, depending on your 2020 income but in general, it costs $148.50 per month.

After your deductible is met, you typically pay 20% of the Medicare-approved amount for most doctor services (including most services while you are at an inpatient hospital), outpatient therapy, and durable medical equipment.

While a mental health screening for depression is covered 100%, most outpatient mental health services, including diagnosing and treating a mental health condition costs 20% of the Medicare-approved rate.

What is NOT Covered by Part B?

The following services are not covered by Medicare Part B:

  • Most dental care
  • Eye exams related to prescribing glasses
  • Dentures
  • Cosmetic surgery
  • Massage therapy
  • Routine physical exams
  • Acupuncture
  • Hearing aids and exams for fitting them
  • Long-term care
  • Concierge care
Chapter 7: Medicare Part D (Prescription Drug Coverage)