Are There Changes to Medicare Part B in 2025?

• Admin
• 25 Jan 2025

Are There Changes to Medicare Part B in 2025?

If you’re already enrolled in Medicare Part B or planning to sign up soon, it’s important to review what’s changing in 2025. Medicare Part B helps cover medical services in outpatient settings, and most enrollees pay a monthly premium. Along with that, you’ll have an annual deductible and cost-sharing for services. Rising costs could impact how you budget for healthcare this year.

What Is Medicare Part B?

Medicare Part B (medical insurance) provides coverage for:

• Doctor visits
• Outpatient surgeries and procedures
• Preventive care services
• Durable Medical Equipment (DME)

Unless you have other creditable coverage, such as employer-sponsored insurance, you’ll likely need to enroll in Part B when you become eligible. Most people pay a monthly premium based on their income level.

Changes to the Part B Premium and Deductible in 2025

• Monthly Premium: Increasing from $174.70 to $185
• Annual Deductible: Increasing from $240 to $257

Note: High-income beneficiaries may pay a higher premium amount due to Income-Related Monthly Adjustment Amounts (IRMAA).

How Can You Lower Your Part B Costs in 2025?

If you’re looking to reduce your out-of-pocket expenses, consider enrolling in a Medicare Advantage (MA) plan that offers a Part B giveback benefit. This benefit is available if:

• You’re enrolled in both Part A and Part B
• You pay your own Part B premium
• You live in a service area where the plan is available

How Does the Part B Giveback Work?

The Part B giveback is a premium reduction benefit included in some Medicare Advantage plans. Instead of paying the full premium out-of-pocket, you receive a rebate — usually added to your monthly Social Security benefit. The amount varies by plan and can save you hundreds of dollars annually. As of 2024, about 19% of Medicare Advantage plans offer this benefit.

Should You Switch to a Plan with a Part B Giveback?

Before making a switch, be sure to evaluate:

• Network coverage: Does the plan include your preferred doctors and hospitals?