Medicare
Medicare Part B
Medical insurance for the doctor visits and outpatient care you rely on
Medicare Part B, known as medical insurance, helps cover medically necessary outpatient services and preventive care to help you stay healthy and catch issues early.
In plain language
Part B helps cover outpatient medically necessary services and supplies used to diagnose or treat health conditions, along with preventive services designed to catch issues early.
Unlike Part A, Part B generally comes with a monthly premium. Most people pay the standard premium amount, though it can be higher depending on income.
Who this may be for
- People age 65 or older enrolling in Original Medicare who need outpatient and preventive care coverage.
- Individuals under 65 with a qualifying disability.
- People diagnosed with End-Stage Renal Disease (ESRD).
What it generally covers
- Doctor visits, including primary care and specialist appointments.
- Outpatient care and procedures.
- Preventive services, such as flu shots, cancer screenings and annual wellness visits.
- Diagnostic tests, including lab work and imaging.
- Durable medical equipment, such as walkers, wheelchairs and oxygen equipment.
- Ambulance services.
- Chemotherapy, dialysis and other medically necessary treatments.
Coverage, costs and availability vary by policy, carrier, eligibility and location. The details above are educational and are not a description of any specific plan.
Not sure whether medicare part b fits your situation?
Consultations are offered at no cost and without obligation. Submitting a form does not enroll you in coverage.
Important choices and considerations
Eligibility for Medicare Part B
- You are 65 or older.
- You are under 65 with a qualifying disability.
- You have End-Stage Renal Disease (ESRD).
- Enrollment in Part B is optional, but delaying without other creditable coverage may lead to a late enrollment penalty, which is why many people enroll as soon as they're eligible. Depending on your situation, you may or may not be enrolled automatically.
Out-of-pocket costs to plan for
- A monthly premium, set annually and potentially higher based on income (using your tax return from two years prior).
- An annual deductible.
- Coinsurance, typically 20% of the Medicare-approved amount for services.
- Copayments for some outpatient services.
Potential limitations and exclusions
- Part B does not cover routine dental, vision or hearing care, or hearing aids.
- Part B does not cover most prescription drugs; that's generally the role of Part D or a Medicare Advantage plan that includes drug coverage.
- Part B does not cover alternative treatments such as acupuncture, except in limited, specific cases.
How Bleu Sky's helps
- Help you understand your Medicare Part B eligibility and enrollment timing.
- Review plan costs, benefits and coverage choices with you.
- Help you understand rules around avoiding late enrollment penalties.
- Help you find coverage that fits your health needs and budget.
What happens next
- 1
Tell us what you need
Share your situation in a short conversation. No sensitive information required.
- 2
Review your options
A licensed advisor walks you through the choices available to you in plain language.
- 3
Choose with confidence
Decide at your own pace. We stay available after you enroll.
Medicare Part B: common questions
Where we help
Bleu Sky’s Insurance Solutions is based in Tampa and works with individuals and families across the Tampa Bay area and Florida. We are also licensed in Georgia and New York. Availability, eligibility and coverages vary by state, and not all products are available in every state.
Already a client?
Policy service — billing, claims, policy changes and document requests — is handled separately from new coverage questions. Visit the Client Center or call (813) 360-1884.
Go to the Client CenterTalk it through with a licensed advisor
We listen first, explain your options in plain language, and help you decide at your own pace. Consultations are free and carry no obligation.
Prefer to talk now? Call (813) 360-1884. Consultations are free and carry no obligation.