Medicare Part B coinsurance and deductible structure includes which of the following?

• A. A substantial copayment of 50%
• B. An annual deductible and a 20% coinsurance for covered services
• C. No deductible, no coinsurance
• D. A flat monthly fee with no out-of-pocket costs

Answer: (B)

Medicare Part B uses a two-step cost-sharing structure: there is an annual deductible, and after that deductible is met, you pay 20% coinsurance for most covered services. This means you cover the deductible first each year, then Medicare pays the rest at 80% while you’re responsible for 20%, with some services that may be subject to exceptions but the standard pattern is clear. The option suggesting a 50% copayment isn’t how Part B typically works. It isn’t correct to say there’s no deductible or no coinsurance, since Part B does include both. And while you pay a monthly premium, Part B isn’t a flat fee with zero out-of-pocket costs—the deductible and coinsurance apply in addition to the premium.