Medicare Part B

What it helps cover:

What it costs:

Most 2025 Medicare members must pay a monthly premium of $185.
If you don't enroll in Medicare Part B as soon as you are eligible, you could be assessed a late enrollment penalty when you do enroll.
- The penalty could be as high as a 10% increase in your premium for each 12-month period that you were eligible but not enrolled.
Your Part B premium could be higher depending on your income.

Other Part B costs for 2025:

There is a $257 annual deductible for Medicare Part B in 2025. After the deductible, you’ll pay a 20% copay for most doctor services while hospitalized, as well as for DME and outpatient therapy.
There is a 20% copay of the Medicare-approved amount for doctor visits to diagnose a mental health condition after the deductible.
- If you receive these services at a hospital outpatient department or clinic, additional copays or coinsurance amounts may apply.
There is a 20% copay of the Medicare-approved amount for outpatient services after the deductible.

Items and services Medicare B doesn't cover:

Long-term care (also called custodial care)
Most dental care
Eye exams (for prescription glasses)
Dentures
Cosmetic surgery
Massage therapy
Routine physical exams
Hearing aids and exams for fitting them
Concierge care (also called concierge medicine, retainer-based medicine, boutique medicine, platinum practice, or direct care)
Covered items or services you get from an opt-out doctor or other provider (except in the case of an emergency or urgent need