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Moab Medicare

Medicare 101

New to Medicare? Start here. Medicare has four parts — A, B, C, and D — and two main ways to put them together. Here are the basics in plain English.

The building blocks

The four parts of Medicare

Part A — Hospital

Inpatient hospital, skilled nursing, hospice, and some home health. Usually premium-free if you or your spouse worked and paid Medicare taxes for about 10+ years.

Part B — Medical

Doctor visits, outpatient care, preventive services, and durable medical equipment. Has a standard monthly premium ($202.90 in 2026) that rises with higher income (IRMAA).

Part C — Advantage

A private all-in-one alternative that bundles Part A, Part B, and usually Part D, often with extras like dental or vision. You use the plan’s network.

Part D — Drugs

Prescription drug coverage through a private plan. Out-of-pocket for covered drugs is capped at $2,100 under the Inflation Reduction Act.

Putting it together

The two main coverage paths

Path 1 — Original Medicare + Medigap (+ Part D)

Original Medicare (Parts A & B), plus a Medicare Supplement (Medigap) policy to cover most out-of-pocket costs, plus a stand-alone Part D drug plan. Predictable costs, any Medicare provider nationwide.

Path 2 — Medicare Advantage (Part C)

A single private plan bundling A, B, and usually D, with a network and copays as you go. Often low or $0 premium, sometimes with extra benefits.

Not sure which path fits? That’s the main decision, and it depends on your doctors, prescriptions, travel, and budget. See our Plan G vs Plan N tool, or just ask Brian.

Don’t miss your window

When to enroll

Your Initial Enrollment Period is a 7-month window — the three months before your 65th birthday month, your birthday month, and the three months after. Enrolling in the three months before usually means coverage starts with no gap. Miss your window without other creditable coverage and Part B and Part D late penalties can apply for life.

Find your enrollment window

Still have questions?

Ask a local Moab advisor — it’s free, and there’s no pressure to enroll.