What Is Medicare Part B? 2025 Michigan Costs & Coverage Guide

If you’re turning 65 or preparing to enroll in Medicare in 2025, you’re probably asking: What is Medicare Part B, and how does it apply to residents in Michigan? Whether you live in Oakland County, Metro Detroit, or anywhere across the state, understanding your Medicare Part B options is critical for avoiding penalties, managing costs, and ensuring proper coverage.

Here’s everything you need to know about Medicare Part B in 2025—what it covers, what it costs in Michigan, and how to get help from a local expert.

What Does Medicare Part B Cover?

Medicare Part B covers medically necessary outpatient services and preventive care, including:

  • Doctor and specialist visits
  • Preventive screenings and vaccines
  • Lab tests and diagnostic imaging
  • Mental health outpatient services
  • Durable medical equipment (e.g., walkers, CPAP machines)
  • Some home health care services

Preventive services are fully covered, but other outpatient services typically require a 20% coinsurance after you meet your annual deductible.

Medicare Part B Cost in Michigan (2025)

For 2025, the standard Medicare Part B premium is $179.80 per month — an increase from $174.70 in 2024.

Here’s a breakdown of what Michigan residents can expect to pay:

  • Monthly premium (2025): $179.80
  • Annual deductible (2025): $245
  • Coinsurance: Typically 20% of the Medicare-approved amount after meeting the deductible

If your income is above $103,000 (individual) or $206,000 (joint), you may pay more due to IRMAA (Income-Related Monthly Adjustment Amount).

✅ Good to know: Michigan residents with lower incomes may qualify for help through Medicare Savings Programs, which can cover all or part of your Part B premium and other costs.

Who Needs to Enroll in Medicare Part B?

You should enroll in Part B during your Initial Enrollment Period (IEP) — a 7-month window that starts 3 months before the month you turn 65, includes your birthday month, and ends 3 months after.

You might delay enrolling in Part B if you’re still working and covered by a credible employer health plan, but once that ends, you’ll need to act quickly to avoid penalties.

Pen resting on a Medicare Part B medical insurance application, ready to be completed.

Common Medicare Part B Mistakes in 2025

Here are the top pitfalls we’re seeing Michigan residents run into this year — and how to avoid them:

1. Missing the Enrollment Window

Delaying enrollment without other coverage results in a 10% penalty per year delayed, added to your premium for life.

2. Assuming It Covers Everything

Medicare Part B typically covers 80% of costs, not 100%. The remaining 20% is your responsibility unless you have a Medigap or Advantage plan.

3. Not Reviewing Plan Options During AEP

The Annual Enrollment Period (Oct 15 – Dec 7) is your chance to adjust your plan. Skipping this window could cost you flexibility and savings.

Medicare Part B Help for Michigan Residents

At Sunnyside Medicare, we serve clients throughout Auburn Hills, Troy, Rochester Hills, and the broader Oakland County and Metro Detroit area. Our licensed agents help you:

  • Understand Part B coverage and costs
  • Compare Medigap and Advantage plans that work with Part B
  • Identify savings programs you may qualify for
  • Enroll with confidence—at no cost to you

Learn even more about Medicare part B from our founder, Sonny Gurney in this video below.

Recap: What Is Medicare Part B in 2025?

  • Covers: Outpatient medical services, preventive care, and more
  • 2025 Premium: $179.80/month (standard)
  • 2025 Deductible: $245
  • Coinsurance: 20% for most services
  • Enrollment: Don’t miss your IEP or you may face penalties
  • Help Available: Sunnyside Medicare offers no-cost guidance across Michigan

For more information, check out this article from CMS.gov.

Ready to Get Started?

If you want Medicare to work for you—not against you—partnering with a trusted local advisor makes all the difference. Sunnyside Medicare helps clients across Michigan enroll in the right coverage with no stress, no pressure, and no out-of-pocket cost for our help. Contact us to get your questions answered today. We’ll be happy to walk you through a solid plan for 2025 enrollment.