Medicare

Our team helps people compare Medicare options—including Medicare Advantage, Medicare Supplement (Medigap), and Part D prescription coverage—with a licensed agent. Start your Medicare review online, or call our office if you would rather talk first.

Who this is for

• People turning 65 or new to Medicare who want a clear review of their options
• Beneficiaries shopping during Annual Enrollment (October 15–December 7) or another enrollment window that applies to them
• Anyone comparing Medicare Advantage, Medigap, and Part D in plain English
• Households who want help gathering doctors, medications, and questions before they decide

Dates and costs to know

Annual Enrollment: October 15 through December 7, 2026. During this window, people with Medicare can join, switch or drop a Medicare Advantage Plan or a Medicare drug plan. If your new plan gets your request by December 7, the change takes effect January 1, 2027. If you’re happy with your current coverage, it generally continues on its own.

Medicare Advantage Open Enrollment: January 1 through March 31. If you’re already in a Medicare Advantage Plan, you can make one change during this window: switch to another Medicare Advantage Plan, or return to Original Medicare and join a separate drug plan.

Part B (2026): The standard Part B premium is $202.90 a month, and the Part B deductible is $283. Some people pay a higher Part B premium based on income. CMS hasn’t announced the 2027 Part B amounts yet.

Part D out-of-pocket limit: Once your out-of-pocket spending on covered Part D drugs reaches the yearly limit, you pay nothing more out of pocket for covered Part D drugs for the rest of that calendar year. The limit is $2,100 in 2026 and $2,400 in 2027.

Part D deductible: No Medicare drug plan can have a deductible above $615 in 2026 or $700 in 2027. Some plans have a lower deductible or none.

Our team can walk you through how these dates and costs apply to you.

Start Your Medicare Review

Office (calls only): 1-888-885-6201 · WhatsApp: +1 832-292-8983 (WhatsApp only) · Email: guardianinsurancesrvs@gmail.com

Spanish-speaking clients are welcome to message us on WhatsApp or by email.

Frequently Asked Questions

When is Medicare Annual Enrollment?

Medicare Annual Enrollment runs October 15 through December 7 each year. During this window, people with Medicare can join, switch or drop a Medicare Advantage Plan or a Medicare drug plan. Changes made by December 7 take effect January 1.

When can I first sign up for Medicare?

Most people can first sign up during a 7-month window around their 65th birthday: the 3 months before, the month of, and the 3 months after.

What are Medicare Parts A and B?

Part A is hospital insurance. It helps with inpatient hospital stays, skilled nursing facility care and some home health and hospice care. Part B is medical insurance. It helps with doctor visits, outpatient care, preventive services and medical equipment. Together they make up Original Medicare.

What are Medicare Part C and Part D?

Part C, called Medicare Advantage, is a way to get your Part A and Part B benefits through a private plan approved by Medicare. Many of these plans include drug coverage. Part D is prescription drug coverage, offered through private plans approved by Medicare.

Is there another chance to change plans after December 7?

If you are in a Medicare Advantage Plan, the Medicare Advantage Open Enrollment Period, January 1 through March 31, lets you make one change: switch to another Medicare Advantage Plan or return to Original Medicare and join a separate drug plan.

How do I reach your office about Medicare?

Call 1-888-885-6201, message us on WhatsApp at +1 832-292-8983 (WhatsApp only), or email guardianinsurancesrvs@gmail.com. Our office is available every day, 6 AM–12 PM and 6–11 PM CT. During open enrollment (November 1–January 15), we’re available every day, 7:30 AM–11 PM CT.