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You usually don’t pay a monthly premium for Part A coverage if you or your spouse paid Medicare taxes while working for a certain amount of time.
Copayments, coinsurance, and deductibles may apply for each of the services covered by Part A.
In 2024, the standard monthly premium for Medicare Part B is $174.70, and the annual deductible is $240.
The amounts you pay for each service covered by Part A or Part B will depend on whether you have just Original Medicare, a Medicare Advantage Plan or a Medicare Supplement Plan.
Part A (Hospital Insurance) Helps cover:
• Inpatient care in hospitals
• Skilled nursing facility care
• Hospice care
• Home health care
Part B (Medical Insurance) Helps cover:
• Services from doctors and other health care providers
• Outpatient care
• Home health care
• Durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment)
• Many preventive services (like screenings, shots or vaccines, and yearly “Wellness” visits)
Part D (Drug coverage) Helps cover the cost of prescription drugs (including many recommended shots or vaccines). Plans that offer Medicare drug coverage are run by private insurance companies that follow rules set by Medicare.
When you first enroll in Medicare and during certain times of the year, you
can choose how you get your Medicare coverage. There are 2 main ways to
get Medicare:
Original Medicare (Option 1)
• Original Medicare includes Medicare
Part A (Hospital Insurance) and
Part B (Medical Insurance).
• If you want drug coverage, you can join a separate Medicare drug plan
(Part D).
• To help pay your out-of-pocket costs in Original Medicare (like your 20%
coinsurance), you can also shop for and buy supplemental coverage.
• Can use any doctor or hospital that takes Medicare, anywhere in the U.S.
Medicare Advantage (Option 2)
(also known as Part C)
• Medicare Advantage is an “all in one” alternative to Original Medicare. These “bundled” plans include Part A, Part B, and usually Part D.
• Plans may have lower out-of-pocket costs than Original Medicare.
• In many cases, you’ll need to use doctors who are in the plan’s network.
• Most plans offer extra benefits that Original Medicare doesn’t cover—like
vision, hearing, dental, and more.
Posted on Jennifer HoytTrustindex verifies that the original source of the review is Google. Brian is so helpful and is able to explain insurance and pricing in a way that really makes sense. He listened to what I needed to my family and helped me find a plan that was the best fit for me! I highly recommend him to help with all marketplace insurance needs!Posted on Marshall RitterTrustindex verifies that the original source of the review is Google. Brian is very knowledgeable and great to work with...Posted on Meghan DunnTrustindex verifies that the original source of the review is Google. He was amazing and worked to make sure I had that best plan! I would recommend him to everyone. My mom and Aunt also uses him!Posted on Nancy BTrustindex verifies that the original source of the review is Google. Just finished talking to Brian Barto about my health insurance. He offered me a PeakAdvantage Medicare Plan , an all in one Medicare Advantage plan created by local doctors. I highly recommend him. I’ve been on Medicare 17 years, and this is the first time I have changed my plan. He saved me a lot of money.Posted on J.j. CleggTrustindex verifies that the original source of the review is Google. He was great very helpful and did a great jobPosted on Eve RitchieTrustindex verifies that the original source of the review is Google. A very nice guy that explains everything so you can understand itPosted on Diane RitterTrustindex verifies that the original source of the review is Google. Brian did a terrific job I would recommend him for any kind of Medicare supplement help
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Medicare and VA Coverage
Medicare and TRICARE Prime/TRICARE for Life
If you're a military retiree with TRICARE Prime or TRICARE for Life, Medicare plays a key role.
● We’ll explain when you must enroll in Medicare Part B to maintain your TRICARE benefits.
● We’ll help ensure you're not overpaying for unnecessary coverage.
● For TRICARE for Life, we’ll walk you through how it works as a secondary payer to Medicare, and when additional coverage might be beneficial — or not necessary at all.
You served your country — now let us serve you.
Schedule a free consultation today and get the clear, honest guidance you deserve.
How can we help?
👉 Click here to schedule your appointment now.
👉 Click here to schedule your appointment now.