Navigating Medicare shouldn't be confusing. Our licensed advisors are here to help you find the right plan at no cost to you.
Every senior's health needs and budget are different. We help you compare your options and choose confidently.
An all-in-one alternative to Original Medicare that often includes extra benefits like dental, vision, and hearing.
Learn More →Medicare Part D helps cover the cost of prescription medications, protecting you from high drug expenses.
Learn More →Receive cash benefits directly when you're hospitalized. Use the money however you need — bills, transportation, or daily expenses.
Learn More →Get coverage for skilled nursing, therapy, and caregiving services received in the comfort and safety of your own home.
Learn More →We take the confusion out of Medicare. Our advisors listen first, then recommend plans that truly fit your health needs and budget.
Our licensed advisors are available now to answer your questions and help you compare plans available in your area — at no cost to you.
Your complete guide to understanding Medicare — what it covers, who qualifies, and how each part works.
Medicare is a federal health insurance program primarily for Americans age 65 and older. It also covers certain younger people with disabilities and individuals with End-Stage Renal Disease (ESRD) or ALS (Lou Gehrig's Disease).
Created in 1965, Medicare is administered by the Centers for Medicare & Medicaid Services (CMS). It consists of several parts — each covering different aspects of healthcare — and understanding how these parts work together is the key to getting the most out of your coverage.
Covers inpatient hospital care, skilled nursing facility care, hospice, and some home health care.
Medicare Part A is often called "hospital insurance." Most people do not pay a premium for Part A if they or their spouse worked and paid Medicare taxes for at least 10 years (40 quarters).
Covers doctor visits, outpatient services, preventive care, and medically necessary services.
Medicare Part B covers medically necessary services and preventive care. Unlike Part A, Part B requires a monthly premium, which is typically deducted from your Social Security benefit.
An all-in-one alternative to Original Medicare, offered through private insurance companies.
Medicare Part C — also known as Medicare Advantage — bundles Part A and Part B coverage into a single private plan. Most Medicare Advantage plans also include Part D prescription drug coverage and extra benefits not found in Original Medicare.
Helps cover the cost of prescription medications through private insurance plans.
Medicare Part D is an optional benefit that helps lower your prescription drug costs. Plans are offered by private insurance companies approved by Medicare, and each plan has its own formulary (list of covered drugs), premiums, deductibles, and copayments.
Call a licensed advisor today — free, unbiased guidance tailored to your situation.
Compare HMO, PPO, MSA, Supplement, and Prescription Drug plans to find the coverage that fits your lifestyle.
Health Maintenance Organization (HMO) plans require you to use a network of doctors and hospitals. You typically choose a Primary Care Physician (PCP) who coordinates your care and provides referrals to specialists.
HMO plans often have lower monthly premiums than PPO plans and may offer $0-premium options. They're an excellent choice if your current doctors are in-network and you prefer lower, predictable costs.
Preferred Provider Organization (PPO) plans offer the most flexibility of any Medicare Advantage plan type. You can visit any Medicare-approved doctor or hospital — in or out of network — without a referral.
See specialists directly without a referral from a PCP.
Visit any doctor, including out-of-network (at higher cost).
Use any Medicare-approved hospital nationwide.
Annual spending limits protect you from unlimited costs.
Medical Savings Account (MSA) plans combine a high-deductible Medicare Advantage plan with a special savings account. Medicare deposits money into your account each year to help pay your healthcare costs.
Medicare Supplement Insurance — commonly called Medigap — fills the "gaps" in Original Medicare coverage by paying some or all of the out-of-pocket costs Original Medicare leaves behind, such as copayments, coinsurance, and deductibles.
Covers nearly all out-of-pocket costs after the Part B deductible. The most comprehensive plan available to new Medicare enrollees.
Similar to Plan G with lower premiums, but requires small copays for some office and ER visits. Great value for relatively healthy individuals.
Same benefits as Plan G but requires you to meet a high deductible first. Very low premiums make it an affordable option for healthier seniors.
Standalone Part D plans work alongside Original Medicare or Medicare Supplement plans to cover your prescription drug costs. Plans are offered by private insurers and vary by formulary (drug list), tier pricing, and pharmacy networks.
Beginning in 2025 and continuing in 2026, Medicare Part D includes a $2,000 annual out-of-pocket cap on drug spending — the first hard cap in Part D history. This is a significant protection for people with high medication costs.
Our advisors compare dozens of plans in your area. Call now — it's completely free.
Cash benefits paid directly to you when you're hospitalized — use the money however you need it most.
Even with Medicare, a hospital stay can leave you with unexpected out-of-pocket expenses — deductibles, coinsurance, transportation, meals, and everyday bills that don't stop while you're recovering.
A Hospital Indemnity plan pays you a fixed cash benefit for every day you're hospitalized. The money goes directly to you — not to the hospital — so you're free to use it for whatever matters most.
Ask About Indemnity PlansThere are no restrictions on how you use your indemnity benefit payment. It's your money.
Pay your Medicare deductibles, coinsurance, and other out-of-pocket healthcare expenses.
Keep your mortgage or rent, utilities, and other household bills paid while you're recovering in the hospital.
Cover the cost of rides to and from the hospital, medical appointments, or follow-up care visits.
Help a family member take time off work to care for you, or cover childcare and other family needs.
Hospital Indemnity plans are supplemental — they work alongside your existing Medicare or Medicare Advantage coverage, not instead of it. Here's how a typical hospital stay scenario works:
3-Day Hospital Stay With Hospital Indemnity:
Benefit amounts vary by plan. This is an illustrative example only.
Hospital Indemnity plans are affordable and available year-round. Find out what's available in your area.
Recover and heal in the comfort of your own home — with coverage for in-home medical care and personal assistance.
For many seniors, recovering at home is safer, more comfortable, and leads to better outcomes than a long nursing facility stay. Home Health Care coverage ensures you can access skilled medical care, therapy, and personal assistance without leaving home.
Whether you're recovering from surgery, managing a chronic condition, or simply need help with daily activities, we can help you find coverage that makes home-based care financially accessible.
Explore Home Health PlansHealing at home in familiar surroundings reduces stress and anxiety, and often leads to faster recovery.
Avoiding nursing facilities or hospitals reduces exposure to drug-resistant infections and hospital-acquired conditions.
Your family can stay actively involved in your care and recovery when services are provided at home.
Home-based care is personalized to you — not a schedule built around a facility's staffing needs.
Some Medicare Advantage plans in 2026 offer meal delivery, transportation, and in-home support services as supplemental benefits. Ask your advisor which plans in your ZIP code offer these extras.
Call to Check Plans in Your AreaOur advisors help you understand your home health options under Medicare and find supplemental plans that fill the gaps.
Key changes, updated costs, and important enrollment information for the 2026 Medicare year.
Medicare makes changes to costs, coverage, and rules every year. Here's what you need to know for 2026.
The Part D out-of-pocket cap for 2026 is $2,100 — up from $2,000 in 2025. Once you reach this threshold, your plan covers 100% of covered drug costs for the rest of the year. This is one of the most significant member-facing changes for the 2026 plan year.
Major BenefitThe 2026 standard Part B monthly premium has been updated. Higher earners continue to pay more through IRMAA (Income-Related Monthly Adjustment Amount) brackets.
UpdatedPlan availability and benefit structures are updated annually. New extra benefits, updated out-of-pocket maximums, and network changes take effect January 1, 2026.
Review PlansInsulin: Costs remain capped at $35/month per covered insulin under Part D — a critical protection for people with diabetes, regardless of deductible status.
Vaccines: All ACIP-recommended adult vaccines (including shingles, RSV, flu, pneumonia, and COVID-19) are covered at $0 cost-sharing under Part D for 2026 — no copay, no deductible.
| Coverage | 2026 Amount | Notes |
|---|---|---|
| Part A Premium | $0 for most people | If you or spouse paid Medicare taxes 10+ years |
| Part A Deductible | ~$1,676 / benefit period | Per hospital admission period |
| Part B Premium | ~$185.00/month | Standard amount; IRMAA applies for higher incomes |
| Part B Deductible | ~$257/year | Applied before 80/20 coinsurance |
| Part D Out-of-Pocket Cap | $2,100/year | After cap, plan pays 100% of covered drugs (up from $2,000 in 2025) |
| MA Out-of-Pocket Max | Up to $9,350 in-network | Many plans set lower limits — compare plans |
* Figures are projections based on announced CMS guidance. Final 2026 amounts may vary. Consult a licensed advisor for confirmed figures.
Oct 15 – Dec 7
Switch between Medicare Advantage plans, change Part D plans, or move between Original Medicare and MA.
Jan 1 – Mar 31
If enrolled in a Medicare Advantage plan, switch to another MA plan or return to Original Medicare (one time).
3 months before / after 65th birthday
Your first opportunity to enroll in Medicare. Missing this window can result in late-enrollment penalties.
Triggered by qualifying events
Available when you lose employer coverage, move out of a plan's service area, or experience other qualifying life events.
Call a licensed advisor to review your current plan and compare what's available for 2026 — before the deadline.
A team of licensed professionals dedicated to helping seniors make confident, informed Medicare decisions.
East West Senior Solutions LLC was founded with a single mission: to take the confusion and anxiety out of Medicare. Too many seniors were making expensive enrollment mistakes — or forgoing coverage they needed — simply because Medicare's rules are so complex.
Over the past 3 years, our licensed advisors have helped more than 5,000 seniors find the right Medicare coverage. We are independent, meaning we are not tied to any single insurance company. We represent dozens of carriers and always recommend what's best for you — not what pays us the most.
We believe that every American senior deserves a trusted advisor who will sit down, listen, and explain their options in plain language.
We represent dozens of insurance carriers and always recommend what's best for your unique situation — never the plan with the highest commission.
We explain Medicare in clear, everyday language. No confusing jargon. No overwhelming paperwork. Just honest, helpful answers to your questions.
Our advisory services cost you nothing. Carriers compensate licensed advisors, so you receive expert guidance at absolutely no charge.
We don't disappear after enrollment. We're here year-round to answer questions, resolve issues, and review your coverage each year during Open Enrollment.
All of our advisors hold active state insurance licenses, complete annual Medicare certification training (AHIP), and adhere to the highest ethical standards in the industry.
Speak with a licensed Medicare advisor today — free, no-obligation guidance tailored to you.
Our licensed Medicare advisors are available Monday through Friday to answer your questions, compare plans in your area, and walk you through the enrollment process — completely free of charge.
Last Updated: January 1, 2026
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Last Updated: January 1, 2026
By accessing or using the East West Senior Solutions LLC website, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website.
East West Senior Solutions LLC provides educational information about Medicare and insurance-related options, and connects individuals with licensed insurance advisors for personalized guidance. Our services are provided free of charge to consumers. We are compensated by insurance carriers upon successful enrollment.
The information provided on this website is for educational purposes only and does not constitute legal, medical, or financial advice. Medicare rules and plan details change frequently. Always verify current information with a licensed advisor or Medicare.gov before making enrollment decisions.
Our services are intended for individuals who are eligible for or currently enrolled in Medicare, or their authorized representatives. By using our site, you represent that you are at least 18 years of age.
We strive to provide accurate and up-to-date information. However, Medicare costs, rules, and plan details change annually. We make no warranty as to the accuracy, completeness, or timeliness of information on this site.
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