Medicare Part B helps cover Dr. services and outpatient care. It also covers some other medical services that Part A doesn't cover, such as some home health care.

• Monthly premium of $96.40
• $135 annual deductible
• 20% co-insurance for eligible expenses
• 50% for most outpatient mental health services

Caution! If you don't take Part B when your are first eligible, the cost of part B will go up 10% for each full 12-month period that you could have had Part B but did not sign up for it. You will have to pay this penalty as long as you have Part B.