Medicare
MEDICARE PART A
Medicare Part A (Hospital Insurance) helps cover inpatient care and related services. If you're in a Medicare Advantage Plan, your plan must give you at least the same coverage as Original Medicare.
What Part A covers:
- Inpatient care in a hospital
- Skilled nursing facility care
- Nursing home care (inpatient care that's not custodial or long-term care)
- Hospice care
- Home health care
What you pay in 2026:
- Premium: $0 for most people, because they or a spouse paid Medicare taxes for at least 10 years (premium-free Part A). If you have to buy Part A, you'll pay either $311 or $565 per month depending on your work history.
- Hospital deductible: $1,736 for each inpatient benefit period.
- Hospital coinsurance: $0 for days 1–60; $434 per day for days 61–90; $868 per day for days 91–150 (lifetime reserve days).
- Skilled nursing facility: $0 for days 1–20; $217 per day for days 21–100; you pay all costs after day 100.
"We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options."
Have questions about your Medicare options? Give us a call at 888-777-7986 — our agents are happy to help.
Posted On Wed August 01st 2018
MEDICARE PART B
Medicare Part B (Medical Insurance) covers medically necessary services and preventive care. If you're in a Medicare Advantage Plan, your plan must give you at least the same coverage as Original Medicare.
Part B covers two types of services:
- Medically necessary services: care or supplies needed to diagnose or treat your condition that meet accepted standards of medical practice.
- Preventive services: care to prevent illness or detect it early. You pay nothing for most preventive services from a provider who accepts assignment.
Part B also covers things like doctor visits, outpatient care, durable medical equipment, ambulance services, mental health care, and limited outpatient prescription drugs.
What you pay in 2026:
- Premium: $202.90 per month (standard). Higher earners may pay more based on income (IRMAA).
- Deductible: $283 per year, before Original Medicare starts to pay.
- Coinsurance: generally 20% of the Medicare-approved amount for most covered services after you meet the deductible.
"We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options."
Have questions about your Medicare options? Give us a call at 888-777-7986 — our agents are happy to help.
Posted On Sun February 25th 2018
MEDICARE PART C
Medicare Part C, also called a Medicare Advantage Plan or "MA Plan," is another way to get your Medicare Part A and Part B coverage. These plans are offered by Medicare-approved private companies that must follow rules set by Medicare.
If you join a Medicare Advantage Plan, you still have Medicare, but you'll get most of your Part A and Part B coverage through the plan instead of Original Medicare. These "bundled" plans include Part A and Part B, and usually Medicare drug coverage (Part D).
Extra benefits: Many Medicare Advantage Plans cover things Original Medicare doesn't, such as fitness programs and some vision, hearing, and dental services. Plans can choose to offer even more benefits.
What you pay in 2026: Premiums, deductibles, copayments, and coinsurance vary by plan and can change each year. You must have Part B and keep paying your Part B premium ($202.90 per month standard in 2026) to stay in your plan. Every Medicare Advantage Plan has a yearly out-of-pocket maximum; once you reach it, the plan pays 100% of covered services for the rest of the year.
"We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options."
Have questions about your Medicare options? Give us a call at 888-777-7986 — our agents are happy to help.
Posted On Sun February 25th 2018
MEDICARE PART D
Medicare Part D (Drug Coverage) helps cover the cost of prescription drugs. You can get it through a standalone Medicare drug plan or a Medicare Advantage Plan that includes drug coverage. Plans are offered by Medicare-approved private companies, and each has its own list of covered drugs (formulary) with different tiers of coverage.
What you pay in 2026:
- Premium: varies by plan; higher earners may pay more based on income.
- Deductible: varies by plan, but no plan may charge more than $615 in 2026. Some plans have no deductible.
The three drug coverage stages in 2026:
- Deductible stage: you pay all out-of-pocket costs until you meet your plan's deductible (if it has one).
- Initial coverage stage: you pay 25% coinsurance for covered drugs until your out-of-pocket spending reaches $2,100.
- Catastrophic coverage stage: once you reach the $2,100 out-of-pocket cap, you pay $0 for covered Part D drugs for the rest of the calendar year.
Late enrollment penalty: if you go 63 or more days without creditable drug coverage after your Initial Enrollment Period, a permanent penalty may be added to your premium (1% of the national base beneficiary premium, $38.99 in 2026, for each uncovered month). If you get Extra Help, you don't pay this penalty.
If you have limited income and resources, the Extra Help program can significantly lower your Part D costs. Our agents can help you compare plans and check whether you qualify.
"We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options."
Have questions about your Medicare options? Give us a call at 888-777-7986 — our agents are happy to help.