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 A Monthly Premium
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 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
1. Medicare Card, which will be your primary insurance
2. Medicare Supplement card, this will be your secondary insurance.
Plan G Monthly Cost (as of 7/1/2026)
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The cost goes up as you age and with inflation. To give you an idea of how the cost goes up see the price for an 80 year old.​
Plan G Monthly Cost (as of 7/1/2026)​​​
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.
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
Total Part D Monthly Cost
Plan Premium Plus 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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Frequently Asked Questions for New Medicare Beneficiaries
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KEY TAKEAWAYS
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If you were receiving Social Security benefits before becoming eligible for Medicare, you might be automatically enrolled in Medicare Part A and Part B.
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To avoid late enrollment penalties, most people should enroll in Medicare during their 7-month Initial Enrollment Period.
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Planning ahead for your Medicare enrollment ensures a smooth transition. Most people become eligible around age 65, so take the time to research your options in advance.
Medicare Guidance You Can Trust
Are you still feeling overwhelmed by Medicare? You don’t have to navigate it alone. At Kirk Warner Insurance Agency, our knowledgeable, no-pressure agents are here to guide you step by step.
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We start by helping you understand the basics of Original Medicare, so you can confidently choose the right supplemental coverage for your needs.
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Once your policy is in place, you’ll have peace of mind knowing we’re just a phone call away whenever you need assistance.
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Best of all, our expert guidance is completely FREE! Experience the difference of having Kirk Warner Insurance Agency on your side.