Inpatient care
Hospital stays, skilled nursing, hospice, and some home health care.
Most people: $0 monthly premiumTurning 65?
Medicare clarity, one decision at a time.
A calm, visual way to understand your choices before we compare the plans available where you live.
Begin with the basics Meet your guide01 · Build the foundation
Four parts. One picture.
Start with Original Medicare, then decide how you want to manage the gaps and prescription coverage.
Doctors & outpatient
Doctor visits, outpatient care, equipment, and preventive services.
2026 standard: $202.90/moMedicare Advantage
Private plans provide Part A and B benefits, usually with networks and a cost limit.
Costs vary by plan and areaPrescription drugs
Stand-alone with Original Medicare or commonly included in Medicare Advantage.
2026 drug OOP cap: $2,100The baseline: You generally keep paying the Part B premium with either path. The difference is how you access care, what you pay monthly, and what you may pay when you use services.
02 · See the two paths
Same Medicare. Different experience.
Both paths begin with Parts A and B. What changes is who administers coverage and how you handle out-of-pocket risk.
Medicare Advantage
A private plan bundles your Medicare-covered services.
- Often includes Part D
- Uses a provider network in many plans
- Copays as you use care
- Annual medical out-of-pocket limit
Worth exploring if you value:
Lower premiums, bundled extras, and coordinated networks.
Lower premiums, bundled extras, and coordinated networks.
Original Medicare + Medigap
Medicare pays first; a supplement helps with covered cost sharing.
- Add a separate Part D plan
- See any provider accepting Medicare
- Higher monthly premiums
- More predictable medical costs
Worth exploring if you value:
Provider freedom, travel flexibility, and predictability.
Provider freedom, travel flexibility, and predictability.
03 · Test real-life years
What might a year feel like?
Use a preset or shape your own care year. These figures teach the cost mechanics; they are not quotes for a specific plan.
Build a care year
012
012
08
010
See the teaching assumptions
These simplified examples use fixed illustrative premiums, common copay patterns, and estimated drug costs. Actual premiums, copays, networks, formularies, givebacks, and coverage rules vary by plan, location, eligibility, and use of care. They are meant to show tradeoffs—not to recommend a plan.
04 · Define your priorities
Your best fit starts with your life.
There is no universal best plan. Answer these questions to see which path may be more natural to explore first.
1. How do you feel about provider networks?
2. Which budget style feels better?
3. How often are you away from home?
Local guidance. Personal attention.
Hi, I’m Jesse Bannister.
I help people approaching 65 turn Medicare’s moving parts into a clear, confident decision. My role is to listen first—learning about your doctors, prescriptions, travel, budget, and comfort with risk.
Then I explain the available paths in everyday language. We compare the details together, so you understand not only what you choose, but why it fits.
“A good Medicare conversation should leave you feeling informed, never rushed.”
Call Jesse: 602-833-1802Ready for the personal details?
Bring your doctors. Bring your prescriptions. We’ll build the picture.
We’ll confirm your enrollment timeline, check doctors and hospitals, review every prescription, and compare local plan costs together.
Connect with JesseEducational use only. This website is not connected with or endorsed by the U.S. government or the federal Medicare program. It does not provide a plan recommendation, enrollment decision, legal advice, or a complete description of benefits. Costs shown are hypothetical teaching examples. Plan premiums, benefits, networks, formularies, givebacks, service areas, and availability vary.
2026 baseline sources: Medicare costs · Part D costs · Medigap coverage
2026 baseline sources: Medicare costs · Part D costs · Medigap coverage