What Is Medicare Part B? Understanding Medical Coverage at 65

When you’re turning 65 and thinking about Medicare, Part B is one of the most important pieces to understand. It covers many of the everyday health services you’ll likely use.

Here’s a simple overview to help you feel confident about how Medicare Part B works.

✅ What Is Medicare Part B?

Medicare Part B helps cover your outpatient and medical services.
This includes things like:

Doctor visits (primary care and specialists)
Lab tests and diagnostic services
Preventive services (like flu shots, screenings, and wellness visits)
Durable medical equipment (DME), like walkers or wheelchairs
Some outpatient therapies (like physical therapy)

👉 Want to learn about the other parts of Medicare?

💰 How Much Does Medicare Part B Cost?

Medicare Part B has a monthly premium for most people.
The standard premium amount can change each year based on adjustments set by Medicare.

There are also:

A small annual deductible
Coinsurance (meaning you usually pay 20% of costs after meeting your deductible)

👉 Want to dive deeper into Medicare costs and premiums?
Click here for a full breakdown of Medicare costs

🛡️ Do You Need to Enroll in Part B at 65?

Many people automatically get enrolled in Medicare Part B if they are already receiving Social Security benefits.

If you’re still working or covered by an employer group health plan, you may choose to delay enrolling in Part B without penalty. Every situation is different, and it’s important to get personalized guidance.

🤝 Need Help Understanding Medicare?

At Preferred Insurance, we make Medicare simple—step-by-step.
No pressure. No sales gimmicks. Just real answers to help you make confident decisions.

We’re a veteran-owned, award-winning insurance agency trusted by thousands of Florida families.

📅 Schedule your free Turning 65 Medicare Consultation
👉 Click here to book online
📞 Or call us at 844-329-1444

📚 Continue Learning About Medicare:

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🌐 www.PreferredInsurance.llc
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