MEDICARE:

Medicare is health insurance for people 65 or older. You may be eligible to get Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD), or ALS (also called Lou Gehrig’s disease). Some people get Medicare automatically, others have to actively sign up -- it depends if you start getting retirement or disability benefits from Social Security before you turn 65. 

-> https://www.medicare.gov/basics/get-started-with-medicare

 Medicare Advantage (MAPD) plans combine hospital, medical, and prescription drug coverage in one policy, often including extra benefits like dental or vision. 

Medicare Supplements (Medigap) help pay out-of-pocket costs not covered by Original Medicare. 

Prescription Drug Plans (PDP) assist with medication expenses. Having proper Medicare coverage protects your health and prevents unexpected financial burdens.

Medicare (Advantage, Supplements, and Prescription Drug Plans)

For individuals who already have Medicare or are about to become eligible, we provide expert guidance to help you choose plans that maximize your benefits, minimize costs, and enhance your coverage with valuable extras such as vision, dental, hearing, and transportation.Key facts for 2026:

• The average premium for stand-alone Prescription Drug Plans (Part D) is projected to be approximately $34.50 for 2026, according to the Centers for Medicare & Medicaid Services (CMS).
• The out-of-pocket cap for prescription drug costs under Part D will be $2,100 in 2026, established under the Inflation Reduction Act.
• Most beneficiaries will continue to have access to multiple Medicare Advantage plans with additional benefits and low or even $0 premiums.

Who is it for?

• Individuals aged 65 or older, or younger adults with disabilities who qualify for Medicare.
• Those who prefer an all-in-one plan that combines medical and prescription drug coverage.
• Beneficiaries who value dental, vision, or hearing coverage and want predictable annual medical costs.

Advantages of having the right Medicare plan:

• Comprehensive protection that combines hospital, medical, and drug coverage in one plan.
• Low premiums and valuable additional benefits not offered under Original Medicare.
• Peace of mind knowing your coverage is reviewed annually under CMS guidelines.

Important:

Options vary by county and state. It is recommended that you review your plan every year during the Annual Enrollment Period (October 15 – December 7) to ensure you keep the best possible coverage.  Open Enrollment Period (01/01 to 03/31) every year!