Medicare Part B Assistance in Brandon
Expert guidance for enrolling, understanding costs, and maximizing your Medicare Part B benefits. Our licensed agents serve Brandon and all of Hillsborough County.
What Is Medicare Part B?
Medicare Part B is the medical insurance component of Original Medicare. It covers outpatient care, preventive services, and medically necessary services that Part A (hospital insurance) does not cover.
Part B covers 80% of Medicare-approved costs after you meet your annual deductible. You are responsible for the remaining 20% — which is why many Brandon residents pair Part B with a Medicare Supplement (Medigap) plan or Medicare Advantage plan to limit their out-of-pocket exposure.
Unlike Part A, Part B always has a monthly premium. In 2026, the standard premium is $202.90 per month, though higher-income beneficiaries pay more.
- Annual Wellness Visit
- Flu, pneumonia, and COVID-19 vaccines
- Cancer screenings (mammograms, colonoscopies)
- Cardiovascular disease screenings
- Diabetes screenings and self-management training
- Doctor visits (primary care and specialists)
- Outpatient surgery
- Emergency room visits
- Urgent care visits
- Mental health services (outpatient)
- Lab tests and blood work
- X-rays, MRIs, CT scans
- Cardiac monitoring
- Pulmonary function tests
- Bone density scans
- Wheelchairs and walkers
- Hospital beds (for home use)
- Oxygen equipment
- Blood sugar monitors
- CPAP machines
2026 Medicare Part B Costs
Understanding your Part B costs helps you plan and identify opportunities to reduce your expenses.
| Cost Component | 2026 Amount | Notes |
|---|---|---|
| Monthly Premium (standard) | $202.90 | Higher earners pay more via IRMAA |
| Annual Deductible | $283 | You pay this before Part B coverage begins |
| Coinsurance | 20% | You pay 20% of Medicare-approved amount after deductible |
| IRMAA Surcharge (income > $109,000) | +$74.00 – +$443.90/mo | Based on your income from 2 years prior |
If your income is limited, you may qualify for a Medicare Savings Program (MSP) that pays your Part B premium and reduces other costs. Many eligible people in Brandon do not know they qualify. Contact us for a free eligibility check.
Enrollment Guidance for Brandon Residents
Enrolling at the right time is critical. Here is what every Brandon resident approaching Medicare needs to know.
Begins 3 months before your 65th birthday. Enrolling in the first 3 months ensures coverage starts on your birthday month.
If you or your spouse is actively working and covered by a qualifying employer group health plan, you can delay Part B without penalty. Retiring triggers a Special Enrollment Period.
For every 12-month period you could have had Part B but didn't enroll, your premium increases by 10% — permanently. This penalty lasts for as long as you have Part B.
If your income is limited, you may qualify for a Medicare Savings Program that pays your Part B premium and reduces other costs. Our agents can check your eligibility.
Related Medicare Topics
Cover the 20% Part B coinsurance with a Medigap plan.
An alternative to Original Medicare that may reduce your Part B out-of-pocket costs.
A full overview of Parts A, B, C, and D and how they work together.
Part B Questions from Brandon Residents
Get Medicare Part B Help in Brandon Today
Our licensed agents are based in Brandon and Hillsborough County. We help you enroll correctly, avoid penalties, and find the right supplemental coverage to limit your out-of-pocket costs. The consultation is completely free.
We do not offer every plan available in your area. Currently we represent 17 organizations which offer 149 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local SHIP for information on all options.