Medicare Part B Explained: What It Covers and What It Really Costs in 2026

Medicare Part B is your medical insurance - doctor visits, outpatient care, lab tests, imaging and durable medical equipment. David Heitner walks through what Part B covers, what it costs in 2026, and the one number that matters most: the 20% you pay, with no annual limit on it. In this video: 0:00 - The one number to remember: 20% 1:10 - What Medicare Part B covers 1:49 - The monthly premium, and IRMAA 2:44 - The deductible and the 80/20 split 3:54 - Why there is no out-of-pocket maximum 5:02 - What "Medicare-approved amount" means 5:43 - Part B excess charges 6:31 - Preventive services and the Wellness visit 7:17 - Where Part B leaves gaps 7:58 - What's next: Medicare Supplement This is Episode 3 of an ongoing series. Episode 1 covers the foundation - what Medicare is and the two main paths. Episode 2 covers Part A, your hospital insurance. Episode 4 goes into Medicare Supplement insurance, also called Medigap. The 2026 Part B figures used in this video: Standard monthly premium: $202.90 Annual deductible: $283 You pay 20% of the Medicare-approved amount for most covered services Excess charges are limited to 15% above the Medicare-approved amount Original Medicare has no annual out-of-pocket maximum for Part A and Part B services All figures are 2026 amounts and change each year. FREE GUIDE - Medicare Insurance Basics (PDF): https://drive.google.com/file/d/1GHbM... More Medicare resources: https://heitsbenefits.com/medicare/?u... Questions about your own situation: Call or text (201) 647-2095. Heits Benefits Group does not offer every plan available in your area. Any information provided is limited to the plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Not connected with or endorsed by the U.S. Government or the federal Medicare program. David Heitner, National Producer Number 2098121 #Medicare #MedicarePartB #MedicareExplained #Medicare2026 #OriginalMedicare #MedicareBasics #TurningSixtyFive #MedicareCosts #HeitsBenefits Securities and advisory services offered through Independent Financial Group, LLC (IFG), a Registered Investment Adviser. Member FINRA/SIPC. Heits Benefits Group and IFG are unaffiliated entities. OSJ Branch: 12671 High Bluff Dr. Suite 200. San Diego, CA 92130 IFG Registered Representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. Some insurance products are offered outside of the existing Broker Dealer relationship. The information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.