Medicare Part B—Understanding Your Outpatient Coverage
If Medicare Part A is for hospital care, Medicare Part B is what helps you cover care outside the hospital—doctor visits, outpatient treatments, preventive screenings, and more.
At Integrity Financial Solutions Group, we make sure you understand how Part B works, what it covers, and how it fits into your full Medicare plan—so you can make choices that truly match your needs.
Not sure if you need Part B yet? Fill out our consultation form and we’ll help you sort through it.
What Does Medicare Part B Cover?
Medicare Part B is essential for ongoing medical care and prevention. It includes:
- Doctor office visits and outpatient services
- Lab work, x-rays, MRIs, and screenings
- Preventive care (flu shots, mammograms, etc.)
- Outpatient surgeries and procedures
- Durable medical equipment (wheelchairs, oxygen, walkers)
- Certain medications administered in a clinical setting
We’ll help you understand when and how this coverage applies—and whether it’s enough on its own or needs to be paired with something more comprehensive.
Want to review what’s covered under Part B? Let’s walk through it together.
What Does Medicare Part B Cost?
Unlike Part A, almost everyone pays a premium for Part B. In 2025, the standard monthly premium is [$XXX placeholder], though this can be higher depending on your income.
In addition to the premium, you’ll typically pay:
- A yearly deductible
- 20% coinsurance on most services after the deductible is met
We’ll help you anticipate your costs, avoid surprises, and explore Medicare Supplement or Medicare Advantage Plans that help reduce these out-of-pocket expenses.
Curious about your actual costs? Schedule a free consultation and we’ll run the numbers together.
When Should You Enroll in Medicare Part B?
Timing matters. If you don’t sign up for Part B during your Initial Enrollment Period, you could face late penalties—and gaps in coverage.
We help you:
- Understand if you need to enroll now
- Avoid unnecessary premiums if you're still covered by an employer
- Make the right choice based on your current and future care needs
Not sure when to enroll? Reach out—we’ll clarify it.
What Part B Doesn’t Cover
Part B doesn’t cover everything. You’ll still need additional coverage for:
- Prescription drugs (get this through Part D)
- Long-term care
- Dental, vision, and hearing services
- Routine foot care, cosmetic procedures, or most chiropractic care
We help you see the full picture and avoid costly gaps in your health care.
How Part B Works With the Rest of Medicare
Medicare rarely works in isolation. Part B typically works alongside:
- Part A (hospital coverage)
- Part D (prescription drug plans)
- Medigap (to help with coinsurance and deductibles)
- Or a Medicare Advantage Plan (bundled coverage that replaces A & B)
We’ll help you compare options based on your health, income, and future plans—so nothing falls through the cracks.
Want to build a Medicare plan that works together? Start here.
Why Work With Integrity Financial Solutions Group?
Choosing Medicare coverage shouldn’t feel like solving a puzzle. That’s where we come in:
We listen first. Your health history, lifestyle, and future plans come first.
We explain everything in plain English. No jargon, no assumptions.
We’re independent. That means we compare carriers and recommend what fits you—not what benefits us.
Frequently Asked Questions About Medicare Part B
Is Medicare Part B required?
Not always. If you’re still working and have creditable coverage through your employer, you may be able to delay without penalty. We’ll help you determine if it’s safe to postpone.
What is the penalty for delaying Part B?
If you don’t have other qualifying coverage, you could pay a 10% premium increase for each year you delay enrollment. These penalties are often lifelong—so it’s critical to get the timing right.
Can I drop Part B if I already have other insurance?
It depends. Dropping Part B without the right replacement could create a coverage gap or penalty. Talk to us first before making any changes.
Does Part B cover preventive care?
Yes—many preventive services (like screenings, vaccines, and wellness visits) are covered at no cost to you. We’ll explain what’s included and how to access those benefits.
