2026 Calculator
Medicare Part B Cost Calculator
Estimate your annual Part B out-of-pocket costs
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This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
What does Medicare Part B cover?
Part B covers medically necessary services: doctor visits, outpatient care, preventive services, lab tests, ambulance services, durable medical equipment, and mental health services. It does NOT cover prescription drugs (Part D), dental, vision, hearing aids, or long-term care.
What is the 2026 Medicare Part B deductible?
The 2026 Medicare Part B annual deductible is $257. Once you pay this amount out-of-pocket for Part B-covered services, Medicare covers 80% of the Medicare-approved amount for most services. You pay the remaining 20% coinsurance.
How does the 80/20 split work?
After meeting the $257 deductible, Medicare pays 80% of the Medicare-approved amount for covered services. You pay 20% coinsurance. For a $1,000 Medicare-approved service, Medicare pays $800 and you pay $200. A Medigap plan can cover this 20%.