---
title: "Medicare, made simple | Topflight"
description: "What Medicare Parts A, B, C and D cover, when to enroll, what Part B costs in 2026 and how a Topflight agent helps you compare plans at no cost."
url: https://topflightagent-demo-v3.pages.dev/medicare
dateModified: 2026-10-06
---

# Medicare, made simple

For clients

Original Medicare is Parts A and B. Medicare Advantage (Part C) and Part D drug plans are sold by private insurers. A licensed Topflight agent compares them for you at no cost.

The parts

## A, B, C and D in one minute

- ◆**Part A** covers hospital stays, skilled nursing and hospice. Most people pay no premium.
- ◆**Part B** covers doctors, outpatient care and equipment. The standard 2026 premium is **$202.90 a month** with a **$283** annual deductible.
- ◆**Part C, Medicare Advantage,** bundles A and B (and usually D) through a private plan with its own network and extras.
- ◆**Part D** is prescription drug coverage. In 2026 your out-of-pocket drug costs are capped at **$2,100**.
- ◆**Medicare Supplement (Medigap)** plans pay the gaps Original Medicare leaves.
Source: [CMS, 2026 Medicare Parts A and B premiums and deductibles](https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-and-deductibles). Plan details come from the plans themselves.

When

## Enrollment periods that matter

- ◆**Initial Enrollment Period:** the 7 months around your 65th birthday.
- ◆**Annual Enrollment Period:** October 15 to December 7, for Advantage and Part D changes effective January 1.
- ◆**Medicare Advantage Open Enrollment:** January 1 to March 31.
- ◆**Special Enrollment Periods** for moves, losing employer coverage and other life events.
- ◆**Still working at 65?** Employer coverage can change what you need. Ask before you enroll.
Details and guides: [enrollment periods](https://topflightmedicare.com/medicare-enrollment-periods) · [turning 65 while working](https://topflightmedicare.com/im-turning-65-but-im-still-working--what-do-i-need-to-do) · [late enrollment penalties](https://topflightmedicare.com/medicare-penalties) · [veterans and Medicare](https://topflightmedicare.com/veterans-and-medicare).

How we help

## What a Topflight agent does for you

- ◆Checks that your doctors and prescriptions are covered before you pick a plan.
- ◆Compares Medicare Advantage, Supplement and Part D options side by side.
- ◆Handles the enrollment paperwork and stays your contact after you enroll, including claims and billing questions.
- ◆Costs you nothing. Agents are paid by the insurance carrier.
More: [Medicare Advantage](https://topflightmedicare.com/home) · [Medicare Supplements](https://topflightmedicare.com/medicare-supplement-plan-comparison) · [Part D](https://topflightmedicare.com/medicare-part-d) · [forms quick reference](https://topflightmedicare.com/medicare-forms-quick-reference-guide).

## Talk to a Topflight agent

Free consultation. No pressure. Monday to Friday, 9:00 AM to 5:00 PM EST.

Schedule a free Medicare consultation
Call (470) 610-5710
Frequently asked

## Questions clients ask

**What does Medicare Part B cost in 2026?**

**When can I change my Medicare Advantage or Part D plan?**

**Does it cost anything to use a Topflight agent?**

**Is there a cap on prescription drug costs?**

Last reviewed: October 6, 2026 · Reviewed by Joanna Wyckoff, Founder. Published by the Topflight Data Desk.