Compare Medicare Advantage, Medicare Supplement and Part D prescription drug plans offered in your area — side by side with a licensed insurance agent who checks your doctors, your medications and your total yearly costs.
Medicare is the federal health insurance program for people 65 and older and for some younger people with disabilities, End-Stage Renal Disease or ALS. Here's what each part does — and where private plans fit in.
Inpatient hospital stays, skilled nursing facility care after a qualifying stay, hospice and some home health care. Most people pay no premium if they or a spouse worked and paid Medicare taxes for about 10 years.
How Original Medicare works →Doctor visits, outpatient care, lab tests, durable medical equipment and many preventive services. The standard premium in 2026 is $202.90/month.
Part B costs →
An all-in-one alternative to Original Medicare offered by private companies approved by Medicare. Covers everything Parts A & B cover, usually includes drug coverage, and has a yearly out-of-pocket limit.
Explore Advantage plans →Prescription drug coverage from Medicare-approved private plans. Out-of-pocket drug costs are capped each year — $2,100 in 2026, rising to $2,400 in 2027.
Compare drug plans →Standardized private policies that help pay the deductibles, copays and coinsurance Original Medicare leaves behind. Pairs with Parts A, B and a separate Part D plan.
See Medigap plans →Costs change every January. These are the official figures published by the Centers for Medicare & Medicaid Services.
Source: CMS 2026 Medicare Parts A & B Premiums and Deductibles fact sheet; CMS 2027 Part D redesign program instructions. Higher-income beneficiaries may pay an income-related adjustment (IRMAA).
Tell us your name, ZIP and best number — or just call. ZIP matters: plans and prices are set county by county.
A licensed agent reviews the plans we offer in your area: premiums, deductibles, drug costs, networks and extra benefits.
Enroll with help if a plan fits — or take your time. Our service costs you nothing and there's never an obligation.
Most people choose between Original Medicare (often paired with a Medigap policy and a Part D plan) and a Medicare Advantage plan. Flip the switch to see how they differ.
Medicare limits when you can join, switch or drop a plan. Missing a window can mean waiting — or paying a lifelong late penalty.
7 months: the 3 months before the month you turn 65, your birthday month, and the 3 months after.
Join, switch or drop a Medicare Advantage or Part D plan. Changes start January 1.
Already in a Medicare Advantage plan? Switch to another one, or return to Original Medicare, once.
Moving, losing employer coverage, qualifying for Extra Help or Medicaid can open a window to change plans.
No. Our licensed agents are compensated by the insurance companies whose plans they offer, so there is no cost to you for our help and no obligation to enroll.
No. Instensify Quotes is a licensed insurance agency. We are not connected with or endorsed by the U.S. government or the federal Medicare program. For official information you can always visit Medicare.gov or call 1-800-MEDICARE.
We do not offer every plan available in your area. We'll tell you how many organizations and products we represent where you live, and you can contact Medicare.gov, 1-800-MEDICARE or your State Health Insurance Assistance Program (SHIP) for information on all of your options.
It depends on the plan. With Original Medicare (and Medigap) you can see any provider that accepts Medicare. Medicare Advantage plans usually use networks, so we check your doctors before you choose.
Most people can change Medicare Advantage or Part D coverage during Open Enrollment, October 15 – December 7. Other windows include the Medicare Advantage Open Enrollment Period (January 1 – March 31) and Special Enrollment Periods triggered by life events.
Yes. People with both Medicare and Medicaid ("dual eligibles") may qualify for Dual Special Needs Plans (D-SNPs) and can change plans more often. Select "Yes" for Medicaid on the form so your agent is prepared.
A licensed agent will check your doctors, your prescriptions and your budget — then show you the numbers. No cost, no obligation to enroll.