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When is the soonest your Medicare can start?
When can you first apply?
How can you apply?
Do you need to enroll in part A and B by age 65 and 3 months?
Can I enroll in Medicare Part A only and forgo enrolling in Part B without penalty?
Are you penalized if you don't enroll in Medicare Part A?
Government Part of Medicare
Part A (Hospital)
Per Occurence Deductible $1,736
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Network:
Almost all hospitals in the US will Accept Medicare Part A
Part B (Medical / Doctors / Labs / Outpatient Surgery)
Annual deductible $283
After deductible Medicare Part B Pays 80% you will pay 20%
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Network: 98% of doctors accept Medicare Part B
Part A Monthly Premium
Part B Monthly Premium
Use income table below.
$202.90
$284.10
$405.80
$649.20
$527.50
$689.90
Your plan Premium
2026 Part B Monthly Cost
Ind Tax Return 2024
Joint Tax Return 2024
Part D IRMAA
Under $109,000
Under $218,000
$109,000 - $137,000
$137,000 - $171,000
$171,000 - $205,000
$205,000 - $500,000
$500,000 or above
$218,000 - $274,000
$274,000 - $342,000
$342,000 - 410,000
$410,000 - $750,000
$750,000 or above
Your plan Premium plus $14.50
Your plan Premium plus $83.30
Your plan Premium plus $91.00
Your plan Premium plus $37.50
Your plan Premium plus $60.40
Private Insurance Part of Medicare
There are 2 basic paths
The three ID card path
The one ID card path
1. Medicare Card, which will be your primary insurance
2. Medicare Supplement card, this will be your secondary insurance.
There are a variety of Medicare supplment plans but the most commonly purchased one is the plan G.
Plan G Monthly Cost (as of 4/15/2026)
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Click the carrier name to see rates for Blue Shield , Anthem's , and United American
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The plan G will pay the $1,736 Part A Deductible and 20% Part B Coinsurance. You still pay Part B $283 Deductible.
The plan G will only pay for Medicare-covered services after Medicare pays first.
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The plan G does not have a network of doctors. It will simply pay if Medicare A and B pays.
Supplement carriers compete for clients with costumer service and pricing. Not by improving your access to doctors. Medicare A and B is what is giving you your access doctors and hospitals.
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When can you enroll?
You have a 6 month window to enroll when you turn 65 and are enrolled in Medicare Part B. During this time you will have guaranteed acceptance.
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If you miss your initial enrollment window click here to see a few other ways you can enroll with guaranteed acceptance.
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You can always apply without guaranteed acceptance but the insurance company has the right to deny coverage based upon your health history.
3. Part D Stand alone Prescription drug plan
Part D Monthly Cost plan premium
Part D IRMAA
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Use the income table above to find your Part IRMAA
The standard Part D deductible for 2026 is $615 and the annual max out of pocket is $2,100.
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Generally if your medications are on your plans list of covered drugs your prescription cost will not exceed $2,100
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To get a complete understanding of your cost please contact a trusted agent. With that said about 80% of our clients are on a Part D plan that cost under $6 a month.
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For reference there are only 12 plans available and they range in price from $0 - $227.80 a month.
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You need to at least have Medicare Part A to enroll in Part D. You can enroll during your initial Medicare enrollment which is 3 months before your birthday month and 3 months after. After that you will be able to enroll or change plans during the annual enrollment period which is between 10/15 - 12/7 every year.
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This is the Medicare Advantage path. On this path you will trade in your Medicare coverage for a private Insurance plan called a Medicare Advantage Plan.
This plan Cover what medicare would of all under one plan. The plan covers Part A and B services and part D in most situations. Hince the one ID card path.
When you enroll in a Medicare advantage you loose access Medicare Part A and B network of doctors.
You will need use the doctors and hospitals your Medicare advantage plan is contracted with. This is the main caviot to the Medicare Advantage plan. You will generally loose acces to doctors that you would have had access to if you stayed on Original Medicare Part A and B.
Medicare Advantage
Plan Monthly Cost
Medicare Advantage plans often have $0 monthly premiums. However, you will still need to pay your Medicare Part B premium, any Part B IRMAA (Income-Related Monthly Adjustment Amount) if your income is higher, and any Part D IRMAA that may apply.
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Each plan’s benefits vary by insurance carrier. Most plans offer low copays for medical services and often include additional benefits such as vision, dental, and prescription drug coverage.
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Medicare Advantage can be a lower-cost option for individuals who are comfortable receiving care within a network of doctors and hospitals, compared to the broader access available with Original Medicare and a Medicare Supplement.
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Below are some of the Medicare Advantage plans we represent in the Glendora, California area.
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Click on a plan name below to view the official Summary of Benefits provided by the insurance carrier.
A PDF will open in a new window.​
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This is not a complete list of plans available in your area. The plans shown here are a few of the Medicare Advantage plans we represent.
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Aetna Medicare Signature (PPO) Aetna Medicare | Plan ID: H5521-419-0
SCAN Classic (HMO) SCAN Health Plan | Plan ID: H5425-006-0
AARP Medicare Advantage from UHC CA-004P (HMO-POS)
UnitedHealthcare | Plan ID: H0543-168-0
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Humana Gold Plus H5619-021 (HMO) Humana | Plan ID: H5619-021-0
You will need to be enrolled in Medicare Part A and Part B to enroll in a Medicare Advantage plan. You can enroll during your initial Medicare enrollment which is 3 months before your birthday month and 3 months after. After that you will be able to enroll or change plans during the annual enrollment period which is between 10/15 - 12/7 every year. Medicare Advantage plans do not have medical underwriting so so long as you enroll during the enrollment window you will be accepted.
Part A: $0.00
Part B: $0.00
Supplement: $0.00
IRMAA: $0.00
Drug Plan: $0.00
Estimated Monthly Medicare Cost: $0.00
Part B Premium: $0.00
Part D IRMAA: $0.00
Medicare Advantage: $0.00
Total Monthly Cost: $0.00
Here are your cost totals
Here are your cost totals
Hope this was helpful. Please reach out to use with any questions or concerns.
We do not offer every plan available in your area. We currently represent 8 organizations which offer 42 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.