Medicare Made Clearby Divine Path Financial

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B

Coverage

Part B

Doctor visits, outpatient care, and preventive services.

Part B covers doctor visits, outpatient care, preventive services, lab work, and durable medical equipment.

It has a standard monthly premium set each year. Higher-income enrollees pay more (see IRMAA).

Key points

Standard monthly premium, plus an annual deductible.
After the deductible, you generally pay 20% of the Medicare-approved amount.
Delaying Part B without qualifying coverage triggers a lifetime penalty.
Preventive services (annual wellness visit, screenings) are often $0.

Common questions

Can I keep my doctor on Medicare?
With Original Medicare (Parts A and B), you can see any provider that accepts Medicare — about 98% of doctors. With Medicare Advantage, you're limited to the plan's network.

Next steps

Late enrollment penalties →IRMAA (higher-income surcharges) →Medigap →Ask about Part B →

Related topics

Part A

Hospital insurance — what's covered and what it costs.

Part C (Advantage)

Medicare Advantage plans from private insurers.

Part D

Prescription drug coverage and how to choose a plan.

Medicare Supplement (Medigap)

Fills the gaps in Original Medicare — deductibles, copays, coinsurance.

Educational only. This information is not personalized advice. For your specific situation, verify at Medicare.gov or speak with a licensed Medicare professional.