To embed a podcast on WordPress.com, simply copy the file URL into the post. Here is how to get the file URL on Podbean; then simply copy and paste it into your WordPress post. Here are samples of what the podcast episode will look like (audio and video) on a WordPress.com blog.
You can also set your Podbean account up so that new episodes auto-publish to your WordPress site. For WordPress.org self-hosted sites, you can customize the player; WordPress.com sites will have a simple play image which opens a new page to play the podcast.