Medicare Part B – Medical Insurance

Print this page

back to Medicare: An Overview

Medicare Part B covers a portion of:

  • Doctors' services
  • Outpatient hospital care
  • Laboratory tests
  • Outpatient physical therapy
  • Outpatient speech therapy
  • Certain home health care
  • Certain ambulance services
  • Certain medical equipment and supplies

Part B coverage is optional. If you or your spouse is still working and covered by your employer group health plan, you may not need this part of Medicare until you or your spouse retires. Learn more.

The Medicare Part B premium ($104.90 in 2015) is automatically deducted from your Social Security check every month. If you don’t receive Social Security benefits, you will be billed for Part B. People with higher incomes (individuals with annual incomes over $85,000 and couples with incomes over $170,000) will pay higher Part B premiums. See table below.

All Medicare beneficiaries pay at least $104.90 for this year’s Part B premium.

2015 Part B Premiums & Deductibles

The chart below lists the Part B premiums and deductibles. For a comprehensive list of both Part A and Part B costs, see our summary chart, Medicare Benefits & Cost-Sharing for 2015.

Part B – Medical Insurance Premiums & Deductibles
For 2015 For 2014
Annual Deductible $147 $147
Your Annual Income Your Monthly Premium* Your Monthly Premium*
  • Single: up to $85,000
  • Couple: up to $170,000
$104.90 $104.90
  • Single: $85,001 to $107,000
  • Couple: $170,001 to $214,000
$146.90 $146.90
  • Single: $107,001 to $160,000
  • Couple: $214,001 to $320,000
$209.80 $209.80
  • Single: $160,001 to $213,000
  • Couple: $320,001 to $426,000
$272.70 $272.70
  • Single: $213,001 and over
  • Couple: $426,001 and over
$335.70 $335.70

* Premium is per person

Note: Income categories for the Part B premiums will be frozen through 2019 and will not be adjusted annually for inflation. This means that more people will reach the threshold and pay a higher amount for their Part B premium.

See also:

back to Medicare: An Overview

Updated Oct 28, 2014

Get Help with Free
Medicare Counseling:

Find your local HICAP.


California Health Advocates: the best source of unbiased Medicare information for California beneficiaries.