Medicare Parts B & D

Medical Insurance & Prescription Drug Coverage

Note: Parts B and D are optional (though highly recommended). Most beneficiaries pay monthly premiums deducted from their Social Security checks.

Medical Services

Doctor visits, outpatient care, preventive services, medical equipment, and ambulance services. Covers medically necessary services to diagnose or treat a medical condition.

Preventive Care

Annual wellness visits, screenings (cardiovascular, cancer, diabetes), vaccines (flu, pneumonia), and other preventive services at no cost when using in-network providers.

Durable Medical Equipment

Wheelchairs, walkers, hospital beds, oxygen equipment, and other medical equipment prescribed by a doctor for home use.

Mental Health Services

Outpatient mental health care, including therapy and counseling. Covers visits with psychiatrists, psychologists, and clinical social workers.

Prescription Drugs

Outpatient prescription drugs through private insurance plans. Each plan has a formulary (list of covered drugs) organized into tiers with different copayments.

2025 Improvements

Starting in 2025, Part D includes new protections: $2,000 annual out-of-pocket cap, $35 monthly insulin cap, free vaccines, and the ability to spread costs across the year.