What's Medicare Part B? 
Part B is your physician insurance - it covers doctor visits , tests , surgeries , preventive services , and supplies including DMEs -LRB- durable medical equipment -RRB- . The Part B deductible is $ 147 in 2014 . You 're responsible for about 20 % of healthcare expenses covered by Part B - Medicare only covers approximately 80 % of the costs . Most people who have Part B will also have Part A -LRB- your hospital insurance -RRB- - Part A is premium-free for most people . You may want to consider buying a Medicare supplement plan -LRB- a.k.a. Medigap plan -RRB- to cover the other 20 % . Please feel free to contact me if I can be of further assistance . Thanks very much . 