Medicare, made simple.
Original Medicare is Parts A and B. Medicare Advantage and Part D drug plans are sold by private insurers. A licensed Topflight agent compares them for you at no cost.
A, B, C and D in one minute
- Part A
- Hospital stays, skilled nursing and hospice. Most people pay no premium.
- Part B
- 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 extra benefits.
- Part D
- Prescription drug coverage. In 2026 your out-of-pocket drug costs are capped at $2,100.
- Medicare Supplement
- Medigap plans pay some or all of what Original Medicare leaves behind, and you can see any doctor who takes Medicare.
Enrollment periods that matter
- Initial Enrollment
- The 7 months around your 65th birthday.
- Annual Enrollment
- October 15 to December 7, for Advantage and Part D changes effective January 1.
- Advantage Open Enrollment
- January 1 to March 31, for one change if you are already in a Medicare Advantage plan.
- Special Enrollment
- For moves, losing employer coverage and other life events.
Source: CMS 2026 Medicare Parts A and B premiums and deductibles
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 side by side.
- Handles the paperwork and stays your contact after you enroll.
- Costs you nothing. Agents are paid by the insurance carrier, not by you.
Talk to a licensed agent
Free consultation, no pressure. Monday to Friday, 9:00 AM to 5:00 PM EST.
We do not offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE for information on all your options.
Common questions
Still unsure? Email support@topflightagent.com and a real person answers.
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, during the Medicare Advantage Open Enrollment Period, January 1 to March 31, or in 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.