Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Which statement correctly describes Medicare Part B cost-sharing?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Part B follows an 80/20 structure: after the annual Part B deductible is met, Medicare pays 80% of the Medicare-approved amount for covered services and the beneficiary pays the remaining 20%. Unlike most commercial plans, Original Medicare Part B has no annual maximum out-of-pocket — the 20% share can continue all year, which is why Medigap plans exist to fill the gap.
Why the other options are wrong
- B) Part B has a deductible and 20% coinsurance; it does not pay 100% of services.
- C) The standard coinsurance split is 80/20, not 50/50.
- D) Original Medicare Part B has no annual out-of-pocket maximum — that is precisely the gap Medigap addresses.
Memory hook
Part B = 80/20 forever. No ceiling, no mercy — that 20% is exactly why Medigap was invented.