Got Insurance Questions? We've Got Answers.

Most people first become eligible at 65. Your Initial Enrollment Period generally lasts seven months: three months before your 65th birthday month, your birthday month, and three months after.Some people qualify earlier because of disability, ALS, or end-stage renal disease. If you have qualifying coverage through your or your spouse’s current employment, you may be able to delay Part B without a late-enrollment penalty.Contact us before turning 65 or leaving employer coverage so we can help you review your timing and avoid coverage gaps.

For 2026, the Centers for Medicare & Medicaid Services (CMS) has set the standard monthly Medicare Part B premium at $202.90. This is an increase of $17.90 from the 2025 premium of $185.00. Most beneficiaries will pay this standard amount, though it can be higher for high-income earners or lower for some current enrollees due to "hold harmless" statutory protections. 2026 Medicare Part B Costs at a Glance Income-Related Adjustments (IRMAA) If your modified adjusted gross income (MAGI) from your 2024 tax return was above a certain threshold, you will pay the standard premium plus an extra surcharge. In addition to your original Medicare A and B, you will have the option to add a traditional Medicare Supplement plan with a stand-alone Part D drug plan, or add a Part C Medicare Advantage plan with prescription drug coverage.

Medicare Advantage (Part C) provides your Part A and Part B benefits through a Medicare-approved private insurance plan. Most plans include prescription drug coverage, and many offer dental, vision, or hearing benefits. Networks, costs, and benefits vary by plan.Medicare Supplement (Medigap) works alongside Original Medicare to help pay certain deductibles, copays, and coinsurance. Prescription drug coverage is purchased separately through Part D.You cannot use Medigap to pay Medicare Advantage costs. We’ll help you compare these options based on your doctors, prescriptions, budget, and preferences.

You can receive your Medicare benefits in two main ways:Original Medicare with optional Medigap and Part D: Keep Parts A and B, add a Medicare Supplement policy to help pay certain out-of-pocket costs, and choose a separate Part D prescription drug plan if needed.Medicare Advantage (Part C): Receive your Part A and Part B benefits through a Medicare-approved private plan. Most plans include Part D, and many offer additional benefits. Networks, costs, and coverage rules vary.With either option, you remain enrolled in Medicare and generally continue paying your Part B premium.

The right choice depends on your doctors, prescriptions, budget, travel habits, and coverage preferences.Original Medicare with Medigap may appeal to people who want broad access to providers who accept Medicare and more predictable costs for covered services. Compare Medigap premiums and separate Part D coverage.Medicare Advantage may appeal to people who prefer bundled coverage and additional benefits. Compare provider networks, prescription coverage, copays, prior authorization requirements, and the plan’s annual medical out-of-pocket limit.We’ll help you compare available options based on your needs—not simply whether you’re currently healthy.

Original Medicare has no annual out-of-pocket limit for Part A and Part B services. Medigap can help pay these costs, depending on the policy. Standard Plan G covers many Medicare cost-sharing expenses, but you still pay the Part B deductible, premiums, and expenses outside its benefits.Medicare Advantage plans have an annual limit on your costs for covered Part A and Part B services. The amount varies by plan, and in-network and out-of-network limits may differ. Premiums and Part D prescription costs do not count toward this medical limit.Part D has a separate annual out-of-pocket limit for covered prescription drugs, whether purchased separately or included in Medicare Advantage. Medigap itself does not provide prescription drug coverage.

Original Medicare generally lets you use any doctor or hospital in the U.S. that accepts Medicare. In most cases, specialist referrals are not required. Most Medigap policies follow this access, although Medicare SELECT policies can have network requirements.Medicare Advantage provider access depends on the plan. HMOs generally require network providers for non-emergency care. PPOs may cover out-of-network care at a higher cost. Referrals and prior authorization requirements vary.We’ll help you check your preferred doctors, hospitals, and travel needs before choosing coverage.

Check whether your doctors and hospitals participate, how your prescriptions are covered, and what you could pay in premiums, copays, and coinsurance. Review the annual medical out-of-pocket limit, referral requirements, prior authorizations, and coverage when traveling.Also consider your future options. Returning to Original Medicare does not automatically guarantee you can buy Medigap. Depending on your timing, state rules, and circumstances, medical underwriting may apply. Certain trial rights and guaranteed-issue protections can provide exceptions.We’ll help you review these details before making a change.

In 2026, annual out-of-pocket costs for covered Medicare Part D drugs are capped at $2,100. This applies to standalone Part D plans and Medicare Advantage plans that include Part D coverage. After you reach the limit, you pay no copayment or coinsurance for covered Part D drugs for the rest of the calendar year. Plan premiums and drugs your plan does not cover are excluded from this cap.

Standard Plan G helps pay many out-of-pocket costs for Medicare-covered services, including the Part A deductible, Part A and Part B coinsurance, and Part B excess charges.You still pay the annual Part B deductible and your premiums. Plan G generally does not cover routine dental or vision care, hearing aids, long-term custodial care, or prescription drugs.Coverage is subject to Medicare rules and benefit limits. High-deductible Plan G requires you to meet a separate deductible before benefits begin.

Standard Plan G offers more predictable costs for Medicare-covered services because it covers Part B excess charges and does not have Plan N’s office-visit and emergency-room copays.Plan N may have a lower monthly premium, but you may pay up to $20 for some office visits and up to $50 for emergency-room visits that do not result in inpatient admission. It does not cover Part B excess charges.Neither plan covers the annual Part B deductible. We’ll help you compare premiums, benefits, and potential out-of-pocket costs.

Original Medicare does not cover routine dental or vision care. However many Medicare Advantage plans include dental and vision benefits. We can help you find a plan that covers the services you use most.

A Medicare Special Enrollment Period allows you to make changes to your Medicare coverage outside of the Annual Election Period. Common qualifying events include losing employer coverage, moving to a new area, or qualifying for Extra Help. Contact us to find out if you qualify.