Every part of your Medicare coverage, explained plainly.

Medicare Advantage (Part C) replaces Original Medicare with a private plan that bundles your hospital, medical, and usually drug coverage, often for a low or $0 monthly premium, and uses a provider network. A Medicare Supplement (Medigap) plan keeps Original Medicare and pays your share of the costs, so you can see any provider that accepts Medicare, in exchange for a monthly premium. Your Advocate helps you weigh the tradeoff for your doctors and budget.

Most Medicare Advantage plans include Part D prescription drug coverage built in, so you get medical and drug coverage in one plan. In 2026, no one on a Part D plan pays more than $2,100 out of pocket for covered drugs in a year. If you choose Original Medicare or a plan without drug coverage, you can add a standalone Part D plan.

Most people pay no premium for Part A. The standard Part B premium is $202.90 per month with a $283 annual deductible, though higher earners pay more through IRMAA. Medicare Advantage and Part D premiums are set by each plan and vary by area. A licensed Advocate can total your real costs for the plans available where you live.

The Annual Enrollment Period runs October 15 to December 7 every year, when anyone with Medicare can switch plans. If you are new to Medicare, your Initial Enrollment Period covers the seven months around your 65th birthday. You may also qualify for a Special Enrollment Period after a life change like moving or losing other coverage.

Yes. Medicare Savings Programs can pay your Part B premium and other costs, and Extra Help lowers what you pay for prescription drugs. Both have income and asset limits that change each year. If you qualify the savings are significant, and your Advocate can check your eligibility and help you apply.