Part B Doctor Coverage
Part B Monthly Premium Table
| File individual tax return w/ income* | File Joint Tax Return w/ income* | File married & separate tax return* | 2026 Part B Monthly Adjustment | 2026 Total Monthly Part B Premium |
|---|---|---|---|---|
| Less than or equal to $109,000 | Less than or equal to $218,000 | Less than or equal to $109,000 | $0.00 | $202.90 |
| Greater than $109,000 but less than $137,000 | Greater than $218,000 but less than $274,000 | n/a | $81.20 | $284.10 |
| Greater than $137,000 but less than $171,000 | Greater than $274,000 but less than $342,000 | n/a | $202.90 | $405.80 |
| Greater than $171,000 and less than $205,000 | Greater than $342,000 but less than $410,000 | n/a | $324.60 | $527.50 |
| Greater than $205,000 and less than $500,000 | Greater than $410,000 but less than $750,000 | Greater than $109,000 but less than $391,000 | $446.30 | $649.20 |
| Greater than $500,000 | Greater than $750,000 | Greater than $391,000 | $487.90 | $689.90 |
*Based off 2024 tax return filed, using Modified Adjusted Gross Income
Part B Late Enrollment Penalty
If you don’t sign up for Part B when you’re first eligible, you’ll have to pay a late enrollment penalty. You’ll have to pay this penalty for as long as you have Part B. Your monthly premium for Part B may go up 10% for each full 12-month period that you could have had Part B, but didn’t sign up for it. Also, you may have to wait until the General Enrollment Period (from January 1 to March 31) to enroll in Part B. Coverage will start July 1 of that year.
Part B covers:
- Medical Expenses
- Physicians’ services
- Inpatient and outpatient medical and surgical services and supplies
- Physical and speech therapy
- Diagnostic tests
- Durable medical equipment
- Laboratory Services
- Home Health Care
| Services: Part B Coverage | Medicare Pays | In 2026 You Pay |
|---|---|---|
| Medical Expenses | 80% of approved amounts, after $283 Deductible | $283 Annual Deductible, 20% of approved amounts |
| Clinical Laboratory Services | 100% of approved amounts | $0 |
| Home Health Care | 100% of approved amounts | $0 |
For more information click here or call (888) 805-7701.
Data from Medicare.gov