Original Medicare (Part A & B)
Federal hospital and medical coverage. Part A is premium-free for most people; Part B is $202.90/mo in 2026. It pays 80% after the deductible — there's no out-of-pocket cap on its own.
Three easy steps to the right coverage
1
Tell me about you
Your doctors, prescriptions, budget, and how you like to get care.
2
We compare plans together
I show you the real Medicare Advantage, Medigap, and Part D options in your ZIP code.
3
You choose — I handle the rest
Enroll with confidence. I'm your point of contact every year after, too.
Your Medicare coverage options
There's no one "best" plan — only the best plan for your situation. Here's how the pieces fit.
Medicare Advantage (Part C)
An all-in-one private plan that replaces Original Medicare, often with $0 or low premiums and built-in dental, vision, and drug coverage. Uses networks and copays, with a yearly out-of-pocket maximum.
Medicare Supplement (Medigap)
Pairs with Original Medicare to cover most of the 20% it leaves behind. See any provider that takes Medicare, nationwide. Higher monthly premium, and you add a separate Part D plan.
Part D (Prescription drugs)
Drug coverage, either standalone or built into an Advantage plan. In 2026, your total out-of-pocket for covered drugs is capped at $2,100.
2026 Medicare costs at a glance
Official 2026 figures from CMS. Your exact amounts depend on your situation — I'm happy to walk through them with you.
$202.90Standard Part B premium / month
$283Part B deductible / year
$1,736Part A hospital deductible / benefit period
$2,100Part D out-of-pocket cap (2026)
Part A premium (if you don't qualify for premium-free)
Most people pay $0 for Part A because they worked 40+ quarters. If not: $311/mo with 30-39 quarters, or $565/mo with fewer than 30.
2026 IRMAA — higher premiums for higher incomes
If your 2024 income was above the thresholds below, you'll pay an income-related adjustment (IRMAA) on top of Part B and Part D. The Social Security Administration determines your exact amount.
| Tier | Single (2024 MAGI) | Married filing jointly | Part B total / mo | Part D / mo |
|---|---|---|---|---|
| Standard | $109,000 or less | $218,000 or less | $202.90 | Your plan premium |
| 1.4x | $109,001 - $137,000 | $218,001 - $274,000 | $284.10 | + $14.50 |
| 2.0x | $137,001 - $171,000 | $274,001 - $342,000 | $405.80 | + $37.50 |
| 2.6x | $171,001 - $205,000 | $342,001 - $410,000 | $527.50 | + $60.40 |
| 3.2x | $205,001 - $499,999 | $410,001 - $749,999 | $649.30 | + $83.30 |
| 3.4x | $500,000 or more | $750,000 or more | $689.90 | + $91.00 |
Part D amounts are added to your plan's premium and paid to Medicare. Figures are 2026 amounts and update annually.
Late enrollment penalty calculators
Missing your enrollment window can mean a lifelong surcharge. Estimate it here.
Part B penalty
Adds 10% to your Part B premium for each full 12 months you were eligible but not enrolled — for as long as you have Part B.
Part D penalty
Adds 1% of the national base premium ($38.99 in 2026) for each full month you went without creditable drug coverage.
Estimates only. Your actual penalty is set by Medicare. The best move is to enroll on time — call me if you're unsure.
Local help, from someone who loves Arizona too
Whether you're settled in the Valley, up in the high country, or along the river, your Medicare coverage should fit the life you actually live here. We'll sit down together — at my Mesa or Sun City office, by phone, or by video — and make sure your doctors, prescriptions, and budget all line up before you enroll.
- Trusted guidance — plain-English answers, never a hard sell.
- Personalized for you — built around your doctors, medications, and budget.
- Here every year — I review your coverage each fall as plans change.
Not sure which plan fits? Let's talk it through.
No cost, no pressure — just straight answers from a licensed Arizona agent.
Common questions
When can I enroll in Medicare?
Your Initial Enrollment Period is the 7 months around your 65th birthday (3 months before, your birthday month, and 3 months after). Most people can also make changes during the Annual Enrollment Period, October 15 - December 7 each year. Certain life events open a Special Enrollment Period.
Does it cost more to use a local agent?
No. My help is free to you. Plan premiums are the same whether you enroll through a licensed agent, online, or directly with the carrier — agents are paid by the insurance companies, not by you.
What's the difference between Medicare Advantage and a Medigap plan?
A Medicare Advantage plan is an all-in-one alternative to Original Medicare, often with $202.90-and-up low or $0 premiums and built-in extras like dental and drug coverage, but with networks and copays. A Medigap (supplement) plan pairs with Original Medicare to cover most out-of-pocket costs and lets you see any provider that accepts Medicare, usually for a higher monthly premium plus a separate Part D plan.
Do you charge for a plan review?
Never. I'll review your current coverage, doctors, and prescriptions and compare your options at no cost. You're never obligated to enroll.