Medicare Made Simple

Q: How much does Medicare cost?

Part A is usually premium-free. Part B costs around $185/month in 2026. Supplements and Advantage plans vary. We'll find the most cost-effective combination for your needs.

Q: Can I change my Medicare plan?

Yes! During the Annual Enrollment Period (October 15 to December 7), you can switch plans. We review your plan every year to make sure you're getting the best value.

Confused by Medicare options? We’ll walk you through it — free, no obligation.

Schedule Free Medicare Review Call (855) WesleyK

What’s Changing in Medicare for 2026

Stay ahead of important updates that could affect your coverage and costs.

Prescription Drug Cap

The $2,000 annual out-of-pocket cap on Part D prescription costs is now in full effect.

Part B Premium Changes

Monthly Part B premiums have been adjusted. We'll help you understand the impact on your budget.

Medicare Advantage Updates

Plan networks and benefits change annually. Your current plan may not be the best choice for 2026.

Supplemental Plan Rates

Medigap rates have shifted. A plan review could save you hundreds per year.

Which Medicare Plan Is Right for You?

Original Medicare

Part A (Hospital)
Part B (Medical)
Freedom to see any doctor
No network restrictions
May need supplement for gaps

Medicare Advantage

Combines Part A & B
Often includes Part D
May include dental & vision
Network-based (HMO/PPO)
Lower out-of-pocket maximums

Medigap (Supplement)

Fills gaps in Original Medicare
Predictable costs
No network restrictions
Covers copays & deductibles
Standardized plans (A–N)

Not sure which is right for you? That’s exactly what we’re here for.

Schedule Your Free Medicare Review

Pick a time that works for you. 30 minutes, no obligation, no pressure.

Wesley K. Smith Insurance — Medicare Consultation

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Available times for Apr 9:

This is a scheduling preview. Live booking will be available after launch.

Medicare FAQ

You're first eligible during a 7-month window around your 65th birthday (3 months before, your birthday month, and 3 months after). Missing this window can result in late enrollment penalties.

Medicare is federal health insurance for people 65+. Medicaid is a state program for low-income individuals. Some people qualify for both.

It depends on the size of your employer. We'll help you understand the rules for your specific situation.

Part A is usually premium-free. Part B costs ~$185/month in 2026. Supplements and Advantage plans vary. We'll find the most cost-effective combination for your needs.

Yes! During the Annual Enrollment Period (October 15 – December 7), you can switch plans. We review your plan every year to make sure you're getting the best value.

“We’ve helped hundreds of Kansas, Missouri & Texas families navigate Medicare over the past 40 years. Let us help you too.”

— Wesley K. Smith

Curious what Medicare might cost you in 2026?

Try the Medicare Cost Estimator

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