When you’re turning 65 and thinking about Medicare, Part B is one of the most important pieces to understand. It covers many of the everyday health services you’ll likely use.
Here’s a simple overview to help you feel confident about how Medicare Part B works.
✅ What Is Medicare Part B?
Medicare Part B helps cover your outpatient and medical services.
This includes things like:
- Doctor visits (primary care and specialists)
- Lab tests and diagnostic services
- Preventive services (like flu shots, screenings, and wellness visits)
- Durable medical equipment (DME), like walkers or wheelchairs
- Some outpatient therapies (like physical therapy)
👉 Want to learn about the other parts of Medicare?
💰 How Much Does Medicare Part B Cost?
Medicare Part B has a monthly premium for most people.
The standard premium amount can change each year based on adjustments set by Medicare.
There are also:
- A small annual deductible
- Coinsurance (meaning you usually pay 20% of costs after meeting your deductible)
👉 Want to dive deeper into Medicare costs and premiums?
Click here for a full breakdown of Medicare costs
🛡️ Do You Need to Enroll in Part B at 65?
Many people automatically get enrolled in Medicare Part B if they are already receiving Social Security benefits.
If you’re still working or covered by an employer group health plan, you may choose to delay enrolling in Part B without penalty. Every situation is different, and it’s important to get personalized guidance.
🤝 Need Help Understanding Medicare?
At Preferred Insurance, we make Medicare simple—step-by-step.
No pressure. No sales gimmicks. Just real answers to help you make confident decisions.
We’re a veteran-owned, award-winning insurance agency trusted by thousands of Florida families.
📅 Schedule your free Turning 65 Medicare Consultation
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📞 Or call us at 844-329-1444
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