Frequently Asked Questions
What does the 20% coinsurance mean?
When do I pay the Part B premium?
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Part A/B
Covers outpatient medical services, doctor visits, preventive care, and durable medical equipment.
Medicare Part B is medical insurance covering doctor visits, specialist appointments, lab work, X-rays, preventive screenings, outpatient surgery, mental health services, and durable medical equipment.
2025 Part B costs: $185.00/month standard premium; $257 annual deductible; 20% coinsurance after deductible (no cap).
The 20% coinsurance with no out-of-pocket maximum is why many people get Medigap or Medicare Advantage — both cap your liability. Medicare Advantage replaces the 20% coinsurance with copays and a MOOP cap.
Skyler Abilla helps you find plans with the benefits that matter most to you.
