Medicare Part B helps cover the medical services you’re most likely to use, like doctor visits, outpatient care, lab tests, preventive screenings, and medications given in a clinical setting. It functions like traditional health insurance, but understanding how and when to enroll is key to avoiding penalties and unexpected costs.

What Part B Covers:
From Doctor Visits to Diagnostic Tests
Part B pays for many of the essential services you need to stay healthy and manage conditions:
• Doctor and specialist visits
• Lab work and imaging (X-rays, MRIs, etc.)
• Preventive services and screenings
• Outpatient surgeries and rehab
• Durable medical equipment (DME)
• Certain medications given in-office (like chemotherapy or infusion drugs)
Unlike Part A, which only applies when you’re admitted to a hospital, Part B is used for day-to-day healthcare needs. But it also comes with important cost-sharing rules you need to understand.
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