Medicare Part B

Medicare Part B is a part of what we call “Original Medicare” and covers medically needed services or preventative services. 

Without a Medicare Supplement plan, you will have a deductible, premium, copays, and coinsurance.

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What is covered by Medicare Part B?

This part of Original Medicare pays 80% of:

  • Medically required services or supplies used to diagnose or treat medical conditions
  • Preventive services: Health care used to deter illness or detect it at an early stage

Medicare Part B costs

Without any Medicare insurance plan, you will have to pay a deductible, you’ll have a monthly premium, and you’ll pay 20% of any Part B services you receive. 

In 2020, Medicare Part B has a premium of $144.60 and has a deductible of $198. These can increase every year. 

Medicare Supplements can pay for part of, or even all, of these costs. If you want to enroll in one, you can do so once your Part B plan becomes effective.

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Do I need to enroll in Part B

You will be automatically enrolled in Medicare Parts A and B the month you turn 65. If you do not receive Social Security benefits, then you will need to sign up for Medicare. You can do so online at, by calling them at 1-800-772-1213, or in person at your local Social Security Office.