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  • Medicare Info

RELAX! We'll provide the answers to your Medicare questions!

RELAX! We'll provide the answers to your Medicare questions!RELAX! We'll provide the answers to your Medicare questions!RELAX! We'll provide the answers to your Medicare questions!

Want to know what plans are available & check your meds?

Yes, you can review Medicare plans, check your prescriptions, and ENROLL in a Medicare Advantage or Medicare Supplement Insurance plan by leaving this website and going to my personal enrollment website: just click here.

Medicare Help and Quote

Part A - Hospital Insurance

In 2026, under Medicare Advantage plans, you will pay a $1,736 inpatient hospital deductible for each benefit period. For Days 1-60, there is $0 coinsurance for each benefit period. From Days 61-90, you will incur $434 coinsurance per day for each benefit period. For Days 91 and beyond, the coinsurance is $868 for each 'lifetime reserve day' after day 90 within each benefit period, with a maximum of 60 days over your lifetime. Once you exceed the lifetime reserve days, you are responsible for all costs, which is an important consideration when evaluating Medicare Supplement Insurance options.

Part B - Medical Insurance

In 2026, you pay a $283 calendar year deductible under Medicare plans. Once your deductible is met, you typically pay 20% of the Medicare-approved amount for most doctor services, including those received while you're a hospital inpatient, outpatient therapy, and durable medical equipment. It's important to consider how Medicare Advantage and Medicare Supplement Insurance can help cover additional costs.

Want to know about the ABCs of Medicare?

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Medicare Parts A and B

Part C - Medicare Advantage

Part C - Medicare Advantage

Parts A and B benefits are a part of Original Medicare that provide Hospital (Part A) and Medical (Part B) services described below. When you have Original Medicare, you can obtain your benefits through any provider in the United States that accepts Medicare payment. Additionally, you can explore Medicare Advantage options or add a Medica

Parts A and B benefits are a part of Original Medicare that provide Hospital (Part A) and Medical (Part B) services described below. When you have Original Medicare, you can obtain your benefits through any provider in the United States that accepts Medicare payment. Additionally, you can explore Medicare Advantage options or add a Medicare Supplement Insurance Plan (MediGap) along with a Prescription Drug Plan.

Stacked wooden blocks with healthcare icons and a hand placing the top block with a shield symbol.

Part C - Medicare Advantage

Part C - Medicare Advantage

Part C - Medicare Advantage

Medicare Advantage (Part C) plans serve as a substitute for your Part A and Part B Medicare coverage. These Medicare plans offer benefits that include medical coverage for both hospital and medical expenses. Additionally, some Medicare Advantage Plans come with a Part D prescription drug plan, while Medicare Supplement Insurance can also provide additional coverage options.

Medical Part D prescription drugs with pills and capsules.

Part D - Prescription Drugs

Part C - Medicare Advantage

Part D - Prescription Drugs

Prescription Drug plans, which are often included in Medicare Advantage options, cover prescription drug needs but do not encompass medical coverage. Additionally, these plans differ from Medicare Supplement Insurance, which provides extra coverage.

Medicare Advantage and Prescription Drugs

Part C - Medicare Advantage

Medicare Advantage Plans are a type of Medicare plan that offers health care options as part of the Medicare program. By enrolling in one of these Medicare Advantage plans, you typically receive all your Medicare-covered health care services through that plan. Additionally, this coverage may include Medicare Supplement Insurance and prescription drug coverage.

Different Types of Medicare Advantage Plans

Health Maintenance Organization (HMO) Plan


In most HMO Plans, which are commonly associated with Medicare Advantage options, you can only go to doctors, other health care providers, or hospitals within the plan's network, except in emergencies, for out-of-area urgent care, or for temporary out-of-area services. Additionally, if you have a Medicare Supplement Insurance plan, you may also need to get a referral from your primary care doctor to see other doctors or specialists.

Different Types of Medicare Advantage Plans

Preferred Provider Organization (PPO) Plans


A Medicare Advantage PPO Plan is a specific type of Medicare Advantage Plan (Part C) that is provided by a private insurance company. With a Medicare PPO Plan, you can enjoy lower costs when you use doctors, hospitals, and other healthcare providers that are part of the plan's network. However, if you choose to see doctors, hospitals, and providers outside of the network, you will incur higher costs. This flexibility makes PPO Plans a popular choice among various Medicare plans, while also complementing Medicare Supplement Insurance options.

Different Types of Medicare Advantage Plans

Medicare Special Needs (SNP) Plans


Medicare SNPs are a specific type of Medicare Advantage Plan, similar to HMOs or PPOs. These Medicare plans limit membership to individuals with particular diseases or characteristics, allowing them to tailor their benefits, provider choices, and drug formularies to meet the unique needs of the groups they serve. 


Discover who qualifies to join a Medicare SNP and how it fits within the broader landscape of Medicare Supplement Insurance options.

Different Types of Medicare Advantage Plans

Private Fee-for-Service (PFFS) Plans


A Medicare PFFS Plan is a type of Medicare Advantage Plan (Part C) that is provided by a private insurance company. It’s important to note that PFFS plans differ from Original Medicare and Medicare Supplement Insurance. This plan outlines how much it will reimburse doctors, other healthcare providers, and hospitals, as well as how much you will need to pay when receiving care.

Part D - Prescription Drugs

The 2026 deductible for most Medicare plans is $615, although this may vary based on the specific details of individual plans, including Medicare Advantage options. Additionally, Part D drug benefits in 2026 are structured into three phases, which are important to consider when evaluating Medicare Supplement Insurance.

Annual Deductible

If your Medicare Advantage plan has a deductible, you will pay 100% of your gross covered prescription drug costs until the annual deductible is met, similar to how many Medicare plans operate. This is an important consideration when evaluating options like Medicare Supplement Insurance.

Initial Coverage

Once the annual deductible is met under your Medicare Advantage plan, you will pay 25% coinsurance (or in accordance with specific plan benefits) for covered Part D drugs. This phase ends when you have reached the annual out-of-pocket cap of $2,100 for 2026, which is an important consideration for those comparing Medicare plans or looking into Medicare Supplement Insurance.

Catastrophic

Once you meet the $2,100 out-of-pocket cap under your Medicare Advantage plan, you will pay no cost sharing for covered Part D drugs through the remainder of the year, similar to the benefits offered by many Medicare plans and Medicare Supplement Insurance options.

Medicare Supplemental Insurance Plan also known as MediGap?

Medicare Supplement Insurance (MediGap) Plans are designed to cover the gaps in Original Medicare Parts A and B. These Medicare Supplement Insurance Plans help to pay for some healthcare costs that Original Medicare doesn't cover, such as copayments, coinsurance, and sometimes deductibles. It's important to note that Medicare Supplement Insurance Plans are distinct from Medicare Advantage Plans and can only be used in conjunction with Original Medicare. Additionally, you may choose to enroll in a stand-alone Prescription Drug Plan to further enhance your Medicare plans.

Contact Cara for a consultation to review the Medicare Advantage options and Medicare plans available in your area, including Medicare Supplement Insurance.

Want to enroll in a Medicare plan? This link will take you to my enrollment website for various Medicare Advantage options. Just click here. 


The above information is taken from Medicare.gov - for more detailed information about Medicare plans or to discuss Medicare Supplement Insurance, contact Cara for an appointment to review your Medicare options.

Contact Us

 We do not offer every plan available in your area. Currently we represent 20 organizations that offer over 100 plans 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. 

 This is a solicitation for insurance. Carrot Insurance Services is an independent licensed insurance broker (CA Lic. 0798878) and is not affiliated with or endorsed by the government or the federal Medicare program. Medicare has neither reviewed nor endorsed this information. 

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