Medicare Part B (Medical Insurance)
Federal medical insurance that helps pay for doctor visits, outpatient care, preventive services, and durable medical equipment.
About Medicare Part B (Medical Insurance)
Medicare Part B is the medical insurance portion of Original Medicare. It is administered by CMS and covers most of the care you receive outside of a hospital admission — doctor visits, outpatient surgery, lab work, and a long list of preventive services.
Almost everyone pays a monthly premium for Part B, set each year by CMS. Higher-income beneficiaries may pay an Income-Related Monthly Adjustment Amount (IRMAA) on top of the standard premium.
After you meet your annual Part B deductible, Medicare typically pays 80% of the approved amount for most covered services and you pay the remaining 20% — there is no cap on that 20% unless you have a Medigap or Medicare Advantage plan that limits it.
- Doctor and other clinician visits (primary care and specialists)
- Outpatient hospital care, ambulatory surgery, and emergency room visits
- Preventive screenings, vaccines, and an Annual Wellness Visit
- Durable medical equipment (wheelchairs, walkers, oxygen, CPAP)
- Lab tests, X-rays, and most outpatient diagnostic imaging
- Mental health care, including therapy and partial hospitalization
- Limited outpatient prescription drugs given in a clinic
- Ambulance transportation when medically necessary
- Most prescription drugs you take at home (use Part D)
- Routine dental, vision, and hearing exams
- Long-term custodial care
- Cosmetic surgery and most care received outside the U.S.
Anyone eligible for Medicare Part A can enroll in Part B; enrollment is automatic for people already drawing Social Security at 65, otherwise you must sign up.
Part B has a standard monthly premium set each year by CMS, plus an annual deductible and 20% coinsurance on most services. Higher-income beneficiaries pay IRMAA. Premiums vary by county, age, household size, and plan year. Talk to a Yumi Health advisor for a personalized quote.
When you can enroll
Carriers active in New Jersey
These carriers offer this product to New Jersey residents. We shop across them to find the right fit.
No carriers in our directory currently sell this product in New Jersey. Talk to a Yumi Health advisor for the most up-to-date options.
New Jersey counties served
Yumi Health helps residents in all 21 New Jersey counties.
Sources
Information last reviewed: 2026-04-07. Specific premiums, networks, and benefits change every plan year — talk to a Yumi Health advisor for the most current details.
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