Plain-English guides for Parts A, B, C, and D, Medigap, and enrollment — with the official 2026 costs, all 50 states, and zero sales pitch.
Whether you're turning 65, helping a parent enroll, or trying to decide between Original Medicare and Medicare Advantage — start here.
What each part covers, what it costs, and how they work together. The foundation of everything Medicare.
Understand the parts →The most important decision you'll make. We break down the pros, cons, and who each is right for.
Compare your options →Plans F, G, N and more explained. How to fill the gaps in Original Medicare and protect yourself from big bills.
Explore Medigap →Miss a deadline and pay permanent penalties. Know your Initial Enrollment Period, Special Enrollment, and Open Enrollment windows.
Check your deadlines →Every premium, deductible, and copay for 2026. Part A, Part B, Part D, and what IRMAA means for higher earners.
See 2026 costs →Many people confuse these two. They're completely different programs — here's how to tell them apart and use both.
Learn the difference →How drug coverage works, how to pick a plan, the $2,000 out-of-pocket cap, and how to avoid the late penalty.
Drug coverage guide →Still working at 65? Losing employer coverage? Moving? These life events trigger special windows to enroll without penalty.
Find your SEP →Estimate your total Medicare costs for 2026 based on your income, health, and coverage choices.
Try the free calculator →Medicare is divided into four parts. You need to understand all four before you can make good decisions about your coverage.
Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care.
Covers doctor visits, outpatient care, preventive services, medical equipment, and mental health.
Private plans that bundle A + B (and usually D) with extra benefits like dental, vision, and hearing.
Standalone drug coverage added to Original Medicare. Cap of $2,000 out-of-pocket in 2026.
Missing enrollment deadlines means permanent premium penalties. Know your windows before you turn 65.
Medicare Advantage and Medigap plan availability, pricing, and quality ratings vary significantly by state. Find your state guide below.
Medicare doesn't cover nursing homes or assisted living. Our sister site covers Medicaid, care costs, and long-term care planning for all 50 states.
Tell us your situation and we'll email you a personalized Medicare plan suggestion — free, no sales pressure.