Medicare Part B
Medical insurance for outpatient/doctor services — standard premium $185/mo in 2026.
Full explanation
Medicare Part B covers outpatient services: doctor visits, preventive care, lab work, durable medical equipment, mental health, and limited prescription drugs administered in a clinical setting. The 2026 standard premium is $185.00/mo (higher for IRMAA-affected enrollees). The Part B annual deductible is $257; after that, beneficiaries pay 20% coinsurance with no out-of-pocket maximum unless they have Medigap or Medicare Advantage. Most people enroll automatically when they take Social Security at 65; otherwise enrollment requires action during the Initial Enrollment Period or General Enrollment Period.
📎 Primary source: official source
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