Blog
Medicare Advantage and Medigap
High-deductible Plan G, explained
High-deductible Plan G is Medigap Plan G with a deductible: you pay up to $2,950 in 2026 in Medicare-covered costs before the policy pays anything.
Turning 65
Medicare and an HSA: when contributions must stop
HSA contributions stop the first month you are enrolled in Medicare, and Part A can start up to six months before you sign up after 65.
Part D
Medicare Extra Help: who qualifies and how to apply
Who gets Medicare Extra Help automatically, the 2026 income and resource limits, and how to apply through Social Security for help with Part D costs.
Medicare basics
Medicare Parts A and B: what each one pays for
Part A helps pay for inpatient hospital, skilled nursing and hospice care; Part B helps pay for doctors, outpatient care and medical equipment.
Part D
The Part D out-of-pocket cap and the old coverage gap
In 2026, Medicare drug coverage caps what you pay out of pocket for covered Part D drugs at $2,100, and the old coverage gap no longer exists.
FRS retirees and Medicare
What Florida state retirees pay for health coverage
The 2026 premiums Florida's State Group Insurance charges retirees before and after Medicare, and how the FRS Health Insurance Subsidy helps pay them.