Medicare Part B:
What Is It?
FAQs.
Medicare Part B FAQ
Helping You Understand Your Medical Insurance Coverage
1. What is Medicare Part B?
Part B is medical insurance that helps cover:
Doctor visits & outpatient care
Preventive screenings & vaccines
Durable medical equipment (walkers, wheelchairs)
Some home health services
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2. How much does it cost?
Standard premium: $185/month (2025)
Annual deductible: $257 (2025)
Premium may be higher if your income is above a certain level
3. When should I enroll?
Most people enroll when they turn 65, during the Initial Enrollment Period (IEP): 3 months before, the month of, and 3 months after their 65th birthday.
If they miss this window, they may face:
Late enrollment penalties (10% per year)
Delayed coverage
Some have employer coverage, which can change timing.
4. Can I delay Part B if I 'm still working?
Yes, if you have credible employer coverage through yourself or a spouse.
You must provide a Form CMS L564 to delay without penalty.
Once the employer coverage ends, you enroll during a Special Enrollment Period (SEP)
You Don’t Have to Navigate Medicare Alone
Whether you’re approaching 65 or have been on Medicare for years, you deserve simple guidance and real support—not confusion or worry.
Medicare Part B FAQ
Helping You Understand Your Medical Insurance Coverage
5. How does Part B work with other coverage?
Works alongside:
Medigap / Supplemental Insurance
Employer coverage
Medicare Advantage (MAPD) plans
6. What preventive services are included?
Flu, COVID, pneumonia vaccines
Mammograms, colonoscopies, diabetes & cholesterol tests
Annual wellness visits
7. How do I sign up?
Online: Social Security Website
Phone: 1-800-772-1213
In-person: Local Social Security office
8. Are there penalties for not enrolling in Part B?
Yes — the Late Enrollment Penalty (LEP) is 10% for each 12-month period you were eligible but didn’t enroll.
This can last for life, so it’s a big deal.
Schedule a No-Cost Discovery Call
I specialize in helping seniors turning 65 or new to Medicare:
Understand your coverage options
Avoid costly mistakes and gaps
Make the enrollment process simple and stress-free
Serving Retirees in Greater Fredericksburg and Northern Virginia
295 Worth Ave #1052 Stafford, VA 22556
Call/Text: 540-992-0332
Medicare Disclaimer: I do not offer every plan available in your area. I represent a number of Medicare Advantage organizations, which offer products in your area. Any information I provide is limited to those plans I do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Disclaimer: I am not affiliated with or endorsed by Medicare or any US government agency. Insurance related solicitation.