HOW I HELP
I’ll walk you through your choices, check your doctors and prescriptions, and help you avoid penalties and missed deadlines. Whether you’re new to Medicare or reviewing your plan, you get a side-by-side comparison from several companies.
| Part | What it covers | What it costs (2026) |
|---|---|---|
| Part A: Hospital | Hospital stays, skilled nursing care after a hospital stay, hospice, some home health care | Free for most people who worked about 10 years. $1,736 deductible each time you’re admitted in a new benefit period |
| Part B: Medical | Doctor visits, outpatient care, lab work, preventive care, medical equipment | $202.90 a month standard premium. $283 yearly deductible. You usually pay 20% after that |
| Part C: Medicare Advantage | A private plan that replaces how you get Parts A and B, often with drug, dental, vision and hearing benefits | Varies by plan. You still pay your Part B premium |
| Part D: Drugs | Prescription drugs | Varies by plan |
Parts A and B together are called Original Medicare. People with higher incomes pay more for Part B and Part D.
Original Medicare has no yearly limit on what you pay. That 20% for Part B services has no ceiling. That’s why most people add coverage in one of two ways:
Neither choice is right for everyone. It depends on your doctors, your prescriptions, your budget and how often you get care.