For clients
Medicare, made simple
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. 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 · turning 65 while working · late enrollment penalties · 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 · Medicare Supplements · Part D · forms quick reference.
Talk to a Topflight agent
Free consultation. No pressure. Monday to Friday, 9:00 AM to 5:00 PM EST.
Frequently asked
Questions clients ask
What does Medicare Part B cost in 2026?
The standard Part B premium is $202.90 a month and the annual deductible is $283, per CMS. Higher incomes pay an income-related surcharge.
When can I change my Medicare Advantage or Part D plan?
During the Annual Enrollment Period, October 15 to December 7, with changes effective January 1, or during the Medicare Advantage Open Enrollment Period, January 1 to March 31, or a Special Enrollment Period if you qualify.
Does it cost anything to use a Topflight agent?
No. Consultations are free and the agent is paid by the insurance carrier.
Is there a cap on prescription drug costs?
Yes. For 2026 the Part D out-of-pocket cap is $2,100.
Last reviewed: · Reviewed by Joanna Wyckoff, Founder. Published by the Topflight Data Desk.