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PART B - Medical Insurance

PART B – Medical Insurance covers:

  • Services from doctors and other health care providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Some preventative services

Under Original Medicare, if the Part B deductible ($185 in 2019) applies, you must pay all costs, up to the Medicare approved amount until you meet the yearly Part B deductible before Medicare begins to pay its share.

After your deductible is met you typically pay 20% of the Medicare approved amount of the service. You will pay nothing for most covered preventative services if you receive the service from a doctor who accepts assignment.


Part B Premium – you pay a Part B premium each month. The standard Part B premium amount in 2019 is $135.50 (or higher depending on your income). If you pay your Part B premium through your monthly Social Security benefit, you will pay less. Social Security will tell you the exact amount you will pay for Part B in 2019.

You will pay the standard premium amount if:

  • You enroll in Part B for the first time in 2019
  • You don’t get Social Security benefits
  • You are directly billed for your Part B premiums
  • You have Medicare and Medicaid, and Medicaid pays your premium
  • Your modified adjusted gross income reported on your IRS tax return from 2 years ago is above a certain amount. If so, you will pay the standard premium amount and an Income Related Monthly Adjustment Amount (IRMAA) which is an extra charge added to your premium.

If you’re in 1 of these 5 groups, here’s what you will pay:

If your yearly income in 2017 (for what you pay in 2019) was

File individual tax return

File joint tax return

File married & separate tax return

You pay (in 2019)

$85,000 or less

$170,000 or less

$85,000 or less


Above $85,000 up to $107,000

Above $170,000 up to $214,000



Above $107,000 up to $133,500

Above $214,000 up to $267,000



Above $133,500 up to $160,000

Above $267,000 up to $320,000



Above $160,000 and less than $500,000

Above $320,000 and less than $750,000

Above $85,000 and less than $415,000


$500,000 or above $750,000 and above $415,000 and above $460.50


Late Enrollment Penalty:

If you do not sign up for Part B when you are first eligible you will have to pay a late enrollment penalty. You will have to pay this penalty for as long as you have Part B. Your monthly premium for Part B may go up 10% for each full 12-month period that you could have had Part B but did not sign up for it.


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