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Medicare Basics
Medicare has four parts, multiple plan types, and a set of enrollment rules that vary based on your situation. Start here to understand how it all fits together.
Part A — Hospital
Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health services.
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Part B — Medical
Covers doctor visits, outpatient care, preventive services, and durable medical equipment. Requires a monthly premium.
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Part C — Medicare Advantage
Private plans that replace Original Medicare. Usually bundle Parts A, B, and drug coverage — often with $0 premium.
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Part D — Drug Coverage
Prescription drug coverage — either bundled with a Medicare Advantage plan or added as a standalone plan alongside Original Medicare.
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MAPD vs. Medicare Supplement
The most important coverage decision most people make at 65. Side-by-side comparison of costs, flexibility, and who each fits best.
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MSA Plans
Medicare Savings Account plans pair a high-deductible Medicare Advantage plan with a Medicare-funded savings account. Unusual but powerful for the right person.
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Why Wisconsin Is Different
Wisconsin has its own Medigap structure, a unique state drug program (SeniorCare), and a strong regional carrier market. What you read elsewhere may not apply here.
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IRMAA — Income Surcharges
Higher-income beneficiaries pay more for Parts B and D. Learn how IRMAA is calculated, see the 2026 brackets, and find out how to appeal.
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Glossary
Medicare has its own vocabulary. Deductible, coinsurance, formulary, creditable coverage — plain-English definitions for the terms that come up most.
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Not sure where to start?
Use our Medicare Timeline tool to find your enrollment dates, or talk to an agent for a guided walkthrough of your specific situation.