[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"aem-page-pages\u002Freview-cost-coverage-master":3},{"data":4},{"pageByPath":5},{"item":6},{"components":7,"disclaimers":139,"annoucementBar":146},[8,32,36,67,78,81,118],{"typename":9,"complianceLinks":10,"navigationLinks":11,"contextualEntryItems":10,"testimonials":10,"highlights":10,"accordions":10,"sideBarList":10,"hours":10,"heading":10,"firstLevelHeading":10,"secondLevelHeading":10,"hoursOfOperation":10,"ttyNumber":10,"iconPath":10,"bodyCopy":10,"imagePath":19,"alt":20,"images":10,"narrowCallOut":21,"lastPublishedDate":10,"copyright":10,"phoneNumber":10,"cmsId":10,"button":29,"primaryButton":10,"secondaryButton":10,"alertBar":10},"HeaderModel",null,[12,16],{"text":13,"target":14,"href":15,"parentText":10},"Learning Hub","_self","\u002Flearning-hub",{"text":17,"target":14,"href":18,"parentText":10},"About Us","\u002Fabout-us","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FRelianceBrand","Reliance Brand",{"firstLevelHeading":22,"secondLevelHeading":23,"hoursOfOperation":10,"ttyNumber":24,"iconPath":25},"Need help?","Call a licensed sales agent","711",[26],{"alt":27,"imagePath":28},"Call Phone","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FcallPhone?fmt=png-alpha",{"text":30,"colorClass":31},"Search plans","primary",{"typename":33,"complianceLinks":10,"navigationLinks":10,"contextualEntryItems":10,"testimonials":10,"highlights":10,"accordions":10,"sideBarList":10,"hours":10,"heading":10,"firstLevelHeading":10,"secondLevelHeading":10,"hoursOfOperation":10,"ttyNumber":10,"iconPath":10,"bodyCopy":34,"imagePath":10,"alt":10,"images":10,"narrowCallOut":10,"lastPublishedDate":10,"copyright":10,"phoneNumber":10,"cmsId":10,"button":10,"primaryButton":10,"secondaryButton":10,"alertBar":10},"TextBlockModel",{"html":35},"\u003Ch1>Review cost and coverage\u003C\u002Fh1>\n\u003Cp>When reviewing Medicare options, two questions are "What’s covered?" and "How much will it cost?"  \u003C\u002Fp>\n\u003Cp>Let’s start with what’s covered. Medicare comes in four parts, each with a different role.\u003C\u002Fp>\n\u003Cp>Reliance Medicare Helpline offers plans from Aetna, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Cigna, Devoted, Freedom Health, Healthy Blue, Humana, Optimum HealthCare, Simply, United Healthcare, Wellcare, and WellPoint.\u003C\u002Fp>\n\u003Ch2>Government Sponsored Medicare Program\u003C\u002Fh2>\n\u003Cp> Also known as Original Medicare, Parts A and B come standard for most who turn 65 years old or qualify due to an eligible disability. They cover most medically necessary services and supplies in hospitals, doctors’ offices, and other healthcare facilities.\u003C\u002Fp>\n\u003Ch2>Private Insurance Plans\u003C\u002Fh2>\n\u003Cp>Once you’re enrolled in Original Medicare, you can choose to switch to a Part C Medicare Advantage plan with a private insurance company. You can also purchase Part D coverage separately.  These types of plans are designed to offer additional benefits not included in Original Medicare.\u003C\u002Fp>\n\u003Ch3>Part A Inpatient and hospital coverage \u003C\u002Fh3>\n\u003Cp>Medicare Part A helps cover hospital costs such as room and board, and other inpatient services. It also helps with a limited stay in a skilled nursing facility and covers hospice care and home-health care. \u003C\u002Fp>\n\u003Cul>\n\u003Cli>Ambulance services\u003C\u002Fli>\n\u003Cli>Skilled nursing facility care\u003C\u002Fli>\n\u003Cli>Inpatient hospital services\u003C\u002Fli>\n\u003Cli>Home-health care & hospice\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>Part B Outpatient coverage, doctor visits, and supplies\u003C\u002Fh3>\n\u003Cp>Medicare Part B helps cover medical expenses, such as doctor visits and other medical supplies. It also helps cover occupational and physical therapy services, as well as some home health care. Part B covers some preventive services. Typically, the monthly premium you pay for Medicare Part B is paid from your Social Security benefits. \u003C\u002Fp>\n\u003Cul>\n\u003Cli>Outpatient services\u003C\u002Fli>\n\u003Cli>Medical & lab services\u003C\u002Fli>\n\u003Cli>Doctor visits & preventive care\u003C\u002Fli>\n\u003Cli>Durable medical equipment & supplies\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>Part C Medicare Advantage plans\u003C\u002Fh3>\n\u003Cp>Known as Medicare Advantage, Medicare Part C plans cover all of your Medicare Parts A and B benefits. They may also have Medicare Part D prescription drug coverage. With a Medicare Advantage plan that includes prescription drug coverage, you simply choose to get your benefits through a private health insurance company, giving you the ease of an all-in-one plan. These plans may include some of the following benefits:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Basic dental services\u003C\u002Fli>\n\u003Cli>Vision\u003C\u002Fli>\n\u003Cli>Hearing\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>Part D Prescription Drug coverage \u003C\u002Fh3>\n\u003Cp>Original Medicare does not include prescription drug coverage. For help managing the costs of your prescription medications, you will need to add a Medicare Part D plan, also known as prescription drug coverage. Prescription drug coverage is included in many Medicare Advantage Plans (Part C), but there are also Medicare Advantage plans available without prescription drug coverage.\u003C\u002Fp>\n\u003Ch2>Breaking down Original Medicare Parts A and B\u003C\u002Fh2>\n\u003Cp>Learn the ins and outs of Original Medicare: what it covers, what it doesn’t, and how much you can expect to pay.\u003C\u002Fp>\n\u003Ch3>What is Part A? \u003C\u002Fh3>\n\u003Cp>Part A helps cover different costs like inpatient stays, inpatient mental health, skilled nursing, and hospice care.\u003C\u002Fp>\n\u003Cp>\u003Cb>Inpatient hospital stays\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>What’s covered:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Overnight hospital stays\u003C\u002Fli>\n\u003Cli>Semi-private room\u003C\u002Fli>\n\u003Cli>Meals\u003C\u002Fli>\n\u003Cli>General nursing\u003C\u002Fli>\n\u003Cli>Medications included in your treatment\u003C\u002Fli>\n\u003Cli>Some other services and supplies\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>\u003Cb>Costs for inpatient stays:  \u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>Depending on how long you stay, you’ll first pay an inpatient hospital deductible. In 2026, this totaled $1,600. \u003C\u002Fp>\n\u003Cp>A complete cost breakdown of an inpatient hospital stay includes:\u003C\u002Fp>\n\u003Cp>Days 1–60: $0 after you meet your Part A deductible $1,676.\u003C\u002Fp>\n\u003Cp>Days 61–90: $419 each day.\u003C\u002Fp>\n\u003Cp>Days 91 and beyond: $838 each day for each lifetime reserve day (up to a maximum 60 reserve days over your lifetime).\u003C\u002Fp>\n\u003Cp>Each day after you use all of your lifetime reserve days, you’ll be responsible for all costs. After day 90, you enter your bank of “lifetime reserve days,” which is up to 60 reserve days of inpatient hospital coverage that can be used over your lifetime. You’ll pay $800 per day during your lifetime reserve days. Once you’ve used these up, you’ll be responsible for all costs.\u003C\u002Fp>\n\u003Cp>\u003Cb>Skilled nursing facility stays\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>Skilled nursing facilities give a high level of medical care such as:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Wound care\u003C\u002Fli>\n\u003Cli>IVs\u003C\u002Fli>\n\u003Cli>Injections\u003C\u002Fli>\n\u003Cli>Physical therapy\u003C\u002Fli>\n\u003Cli>Watching vital signs\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>These facilities may be used for rehabilitation after an injury, stroke, or other condition. They may also be used to treat patients who need constant monitoring and care, but don’t need to be in a hospital.\u003C\u002Fp>\n\u003Cp>Original Medicare will cover 100% of the cost for the first 20 days of a qualified stay. If you are admitted for longer, you will pay $200 per day for days 21 through 100. After 100 days, you will be responsible for all costs. \u003C\u002Fp>\n\u003Cp>\u003Cb>Inpatient mental health\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>Part A covers admittance to an inpatient mental health facility or psychiatric hospital for a maximum of 190 days over your lifetime.  \u003C\u002Fp>\n\u003Cp>The costs for an inpatient mental health stay are the same as inpatient hospital stay costs. For the doctor’s care, you will generally pay 20% of the Medicare-approved amount for mental health services you get from doctors and other health care providers while you're a hospital inpatient.\u003C\u002Fp>\n\u003Cp>A full breakdown of costs for an inpatient mental health stay include: \u003C\u002Fp>\n\u003Cp>Days 1–60: $0 after you meet your Part A deductible $1,676.\u003C\u002Fp>\n\u003Cp>Days 61–90: $419 each day.\u003C\u002Fp>\n\u003Cp>Days 91 and beyond: $838 each day for each lifetime reserve day (up to a maximum of 60 reserve days over your lifetime).\u003C\u002Fp>\n\u003Cp>Each day after you use all of your lifetime reserve days you will pay all costs out-of-pocket.\u003C\u002Fp>\n\u003Cp>\u003Cb>Things to know\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>You can get these inpatient services either in a general hospital or a psychiatric hospital (a facility that only cares for people with mental health disorders).\u003C\u002Fp>\n\u003Cp>If you're in a psychiatric hospital (instead of a general hospital), Part A only pays for up to 190 days of inpatient psychiatric hospital services during your lifetime.\u003C\u002Fp>\n\u003Cp>\u003Cb>Hospice care\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>Hospice care focuses on improved quality of life through pain relief and symptom control. They also treat mental and emotional health needs. Sometimes called “end of life care,” hospice is typically for when the diagnosis is terminal or when a cure is not expected. It’s usually given where the patient lives, either at home or a nursing home or other assisted nursing facility.  \u003C\u002Fp>\n\u003Cp>Original Medicare will generally cover 100% of hospice care costs if you get care from an approved provider. A copay of up to $5 may be charged for each outpatient prescription drug prescribed for pain relief and symptom control. For short-term inpatient respite care, you may have to pay for 5% of the Medicare-approved charges at a Medicare-approved facility.\u003C\u002Fp>\n\u003Ch3>What is Part B? \u003C\u002Fh3>\n\u003Cp>Body text: Part B, also known as medical insurance, helps cover:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Doctor visits\u003C\u002Fli>\n\u003Cli>Urgent care\u003C\u002Fli>\n\u003Cli>Outpatient care\u003C\u002Fli>\n\u003Cli>Home health care\u003C\u002Fli>\n\u003Cli>Durable medical equipment\u003C\u002Fli>\n\u003Cli>Many other preventive services\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch4>Benefits of Part B \u003C\u002Fh4>\n\u003Cp>\u003Cb>Doctor, specialist, and urgent care visits\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>Part B covers visits to your primary care doctor and\u002For specialists, as long as they accept Medicare. Specialists are doctors who focus on a specific type of care, like allergists, cardiologists, endocrinologists, and dermatologists. You’ll also be covered for visits to urgent care if you need treatment for a sudden illness or injury that isn’t a medical emergency. You may have a co-pay for these visits. \u003C\u002Fp>\n\u003Cp>\u003Cb>Durable medical supplies, equipment, and prosthetics\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>Part B will cover many supplies, equipment, and prosthetic devices. It may also cover artificial eyes and limbs, as long as they are prescribed by your doctor and the supplier of the device is enrolled in Medicare. Suppliers must meet a strict quality standard and offer competitive pricing for the equipment.  \u003C\u002Fp>\n\u003Cp>Some of the most common medical supplies and equipment include:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Wheelchairs\u003C\u002Fli>\n\u003Cli>Scooters\u003C\u002Fli>\n\u003Cli>Canes and walkers\u003C\u002Fli>\n\u003Cli>Oxygen equipment and accessories\u003C\u002Fli>\n\u003Cli>Diabetic monitoring supplies\u003C\u002Fli>\n\u003Cli>Therapeutic shoes and inserts\u003C\u002Fli>\n\u003Cli>Slings and brace\u003C\u002Fli>\n\u003Cli>CPAP devices\u003C\u002Fli>\n\u003Cli>hospital beds and lifts. \u003C\u002Fli>\n\u003Cli>Medicare will also cover prosthetic devices, artificial eyes, and limbs.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>\u003Cb>Outpatient physical, occupational, and speech therapy \u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>Part B will cover medically necessary therapy. Outpatient therapy is provided outside a hospital or skilled nursing facility. Therapy received in an inpatient setting is generally covered by Original Medicare Part A. Types of therapy included are:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Physical\u003C\u002Fli>\n\u003Cli>Occupational\u003C\u002Fli>\n\u003Cli>Speech\u003C\u002Fli>\n\u003Cli>Pulmonary rehabilitation services\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>You might think of therapy as helping you get back the use of a certain function after injury or illness. In some cases, therapy is also a preventive measure to help manage chronic conditions. \u003C\u002Fp>\n\u003Cp>\u003Cb>Emergency Ambulance Transportation (Part B)\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>If you need medically necessary services and traveling via another vehicle could endanger your health, Part B will cover ground ambulance transportation to the nearest hospital, critical access hospital, or skilled nursing facility able to give the care you need.  \u003C\u002Fp>\n\u003Cp>If you need urgent help, Original Medicare may cover emergency transportation in an airplane or helicopter. Original Medicare may cover non-emergency but medically necessary ambulance transportation if you have an order from your doctor. \u003C\u002Fp>\n\u003Cp>\u003Cb>Cost without insurance (for all Part B items)\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>For everything under Part B, you’ll have to meet your yearly deductible. In 2026, the Part B deductible is $288. Once you meet your deductible, Original Medicare will pay 80% of the Medicare-approved amount. You’ll pay the remaining 20% out of pocket.  \u003C\u002Fp>\n\u003Cp>Before you visit a doctor, schedule a surgery, or buy supplies, it’s important to ask if providers take Original Medicare. If they don’t, you’ll likely have to pay more.\u003C\u002Fp>\n\u003Ch3>What’s 100% covered?\u003C\u002Fh3>\n\u003Cp>Original Medicare covers the cost of some preventive services like screenings, shots, and vaccines.\u003C\u002Fp>\n\u003Cp>\u003Cb>Clinical laboratory tests \u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>Services deemed medically necessary like blood tests, urinalysis, tests on tissue samples, and certain screenings are all fully covered. They must be ordered by your doctor and performed in a Medicare-approved laboratory.  \u003C\u002Fp>\n\u003Cp>\u003Cb>Preventive screenings and programs \u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>Dozens of screenings and services are fully covered, such as: \u003C\u002Fp>\n\u003Cul>\n\u003Cli>Diabetes screenings\u003C\u002Fli>\n\u003Cli>Depression screenings\u003C\u002Fli>\n\u003Cli>Mammograms\u003C\u002Fli>\n\u003Cli>Colonoscopies\u003C\u002Fli>\n\u003Cli>Glaucoma tests\u003C\u002Fli>\n\u003Cli>Cancer screenings \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>For a full list of covered preventive screenings and programs, check \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002F\" target=\"_blank\" rel=\"noopener noreferrer\">Medicare.gov\u003C\u002Fa>.\u003C\u002Fp>\n\u003Cp>\u003Cb>Yearly wellness visit \u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>Once you’ve had Original Medicare Part B coverage for over 12 months, Original Medicare covers an annual wellness visit. In this appointment, you can get care and advice based on your current mental and physical health. You’ll fill out a Health Risk Assessment questionnaire with your doctor that will help them create, update, and maintain a personalized plan and routine screening schedule for your health. \u003C\u002Fp>\n\u003Cp>\u003Cb>Vaccines and Shots \u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>Depending on your physical health, Part B may cover shots and vaccines, including pneumococcal shots, Hepatitis B shots, and flu shots. Some shots are covered at 100% if given by an in-network Medicare provider.  \u003C\u002Fp>\n\u003Ch3>What’s not fully covered? \u003C\u002Fh3>\n\u003Cp>Certain services and procedures like dental, vision, prescription drugs, and other benefits are not covered by Original Medicare. There are also deductibles and copays on some medical coverage.\u003C\u002Fp>\n\u003Cp>\u003Cb>Prescriptions \u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>With few exceptions, Original Medicare Parts A and B don’t cover prescription drug costs. You must get prescription drug coverage as soon as you’re eligible for Medicare, unless you have drug coverage somewhere else. This could be with a spouse’s employer-sponsored health plan. If you enroll later, you may be subject to a late enrollment penalty.  \u003C\u002Fp>\n\u003Cp>There are two options for Prescription Drug coverage, also known as Part D. The first is a stand-alone Part D Prescription Drug plan, which can only be added to:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Original Medicare   \u003C\u002Fli>\n\u003Cli>some Medicare Cost Plans\u003C\u002Fli>\n\u003Cli>some Private Fee-for-Service (PFFS) Plans\u003C\u002Fli>\n\u003Cli>Medicare Medical Savings Account (MSA) Plans\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>You can enroll in a Medicare Advantage Prescription Drug plan, which combines all the benefits of Part A and Part B coverage with Prescription Drug coverage (Part D). This will replace Original Medicare. Without this coverage, you could have to pay 100% of the cost of your prescriptions.\u003C\u002Fp>\n\u003Cp>\u003Cb>Dental\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>Original Medicare does not cover most dental care, but you can get separate dental coverage from a private insurance company.  \u003C\u002Fp>\n\u003Cp>There are two options for dental coverage. You can add a stand-alone dental insurance plan to your Original Medicare, or enroll in a Medicare Advantage plan, also known as Part C. Medicare Advantage replaces Original Medicare, and some plans include dental insurance. If you choose not to purchase dental insurance, you could have to pay 100% of the cost of your dental care. \u003C\u002Fp>\n\u003Cp>\u003Cb>Vision\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>Part B covers a simple vision test as part of the “Welcome to Medicare” visit, but it’s only offered once during your first year of Part B coverage. Part B also covers a yearly eye exam for those living with diabetes and diabetic retinopathy, as long as it’s done by a licensed eye doctor. \u003C\u002Fp>\n\u003Cp>Eye exams for diagnostic purposes, such as testing for glaucoma or macular degeneration, may also be covered. If treatment may improve a chronic eye condition and is viewed as necessary by a physician participating in Medicare, Part B may cover it. You’ll need to check with your doctor to see if your condition is deemed medically necessary.  \u003C\u002Fp>\n\u003Cp>Most regular vision care, like routine eye exams, eyeglasses, contacts, and corrective procedures, won’t be covered by Original Medicare. Adding a stand-alone vision insurance plan to your Original Medicare or enrolling in a Medicare Advantage plan with some routine vision coverage, may replace your Original Medicare with a more robust offering. If you choose not to purchase vision coverage, you could have to pay 100% of the cost of your vision care.\u003C\u002Fp>\n\u003Cp>\u003Cb>Hearing\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>Part B covers diagnostic hearing and balance exams if ordered to determine whether medical treatment is needed. However, Original Medicare does not cover hearing exams, hearing aids or fittings. That’s where Medicare Advantage plans with routine hearing coverage can help. They may have some coverage for routine hearing care in addition to the benefits that come with Parts A and B. If you choose not to purchase hearing coverage, you could have to pay 100% of the cost of your hearing care. \u003C\u002Fp>\n\u003Cp>\u003Cb>Personal Assistance\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>Original Medicare covers some in-home health services, like skilled nursing care, physical therapy, speech pathology, and occupational therapy. Original Medicare will not pay for 24-hour in-home care or meals delivered to you at home. If your in-home care needs are more than what can be classified as part-time or intermittent skilled nursing care, they will not be eligible for coverage.  \u003C\u002Fp>\n\u003Cp>If you choose to enroll in a Medicare Advantage plan with an in-home health benefit, you may have access to additional in-home health programs at no additional cost. \u003C\u002Fp>\n\u003Cp>\u003Cb>Cost without insurance for all items\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>You may be responsible for paying 100% of the cost of your prescriptions, dental, vision, hearing, and in-home care.  \u003C\u002Fp>\n\u003Cp>This is not a full summary of Original Medicare coverage, benefits, and costs. For a full list of covered services use the “Is my test, item, or service covered?” search tool on Medicare.gov.\u003C\u002Fp>\n\u003Ch2>Frequently asked questions about cost and coverage\u003C\u002Fh2>\n",{"typename":37,"complianceLinks":10,"navigationLinks":10,"contextualEntryItems":10,"testimonials":10,"highlights":10,"accordions":38,"sideBarList":10,"hours":10,"heading":10,"firstLevelHeading":10,"secondLevelHeading":10,"hoursOfOperation":10,"ttyNumber":10,"iconPath":10,"bodyCopy":10,"imagePath":10,"alt":10,"images":10,"narrowCallOut":10,"lastPublishedDate":10,"copyright":10,"phoneNumber":10,"cmsId":10,"button":10,"primaryButton":10,"secondaryButton":10,"alertBar":10},"AccordionSetModel",[39,43,47,51,55,59,63],{"heading":40,"bodyCopy":41},"What is Original Medicare?",{"html":42},"\u003Cp>Offered by the federal government, it includes Part A (hospital insurance) and Part B (medical insurance) benefits. Original Medicare helps cover hospital and doctor visits.\u003C\u002Fp>\n",{"heading":44,"bodyCopy":45},"Will I pay a premium for Original Medicare Part A or Part B?",{"html":46},"\u003Cp>In most cases, you usually don't pay a monthly premium for Medicare Part A (hospital) coverage if you or your spouse paid Medicare taxes for a certain amount of time while working.\u003C\u002Fp>\n\u003Cp>You do need to pay a premium for Part B coverage. In 2026, the Medicare Part B premium is $206.50 per month or higher, depending on your income.\u003C\u002Fp>\n",{"heading":48,"bodyCopy":49},"Are there any other costs for Original Medicare?",{"html":50},"\u003Cp>Yes. Most people will pay a deductible for parts A and B. The 2026 Part A deductible for inpatient hospital coverage is $1,600. The 2026 annual deductible for Part B medical coverage is $288.\u003C\u002Fp>\n\u003Cp>After meeting the Part B deductible, you’ll typically pay 20% coinsurance of Medicare's allowed amounts for approved services such as doctor visits, outpatient care, and durable medical equipment.\u003C\u002Fp>\n",{"heading":52,"bodyCopy":53},"Are Part D prescription drugs covered by Medicare?",{"html":54},"\u003Cp>Original Medicare does not include Part D prescription drug coverage, but it does include drugs given during Medicare-covered stays in the hospital or in a skilled nursing facility. You can buy a stand-alone prescription drug plan or a Medicare Advantage Prescription Drug Plan from a private insurance company.\u003C\u002Fp>\n",{"heading":56,"bodyCopy":57},"Can I choose my doctor?",{"html":58},"\u003Cp>Yes. If you are enrolled in Original Medicare, you can go to any doctor or hospital in the U.S. that accepts Medicare. If you have Medicare Advantage through a private insurance company, you may save money by staying in your plan’s network.\u003C\u002Fp>\n",{"heading":60,"bodyCopy":61},"Can I change my Medicare Advantage plan if I don’t like it?",{"html":62},"\u003Cp>Yes. There are two opportunities each year to make changes to your Medicare Advantage plan. \u003C\u002Fp>\n\u003Cp>During the Medicare Annual Enrollment Period from October 15 to December 7, you can:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Switch to a different Medicare Advantage plan from your current one\u003C\u002Fli>\n\u003Cli>Disenroll from any coverage and go back to Original Medicare Parts A & B \u003C\u002Fli>\n\u003Cli>Switch your Prescription Drug plan to a different Prescription Drug plan\u003C\u002Fli>\n\u003Cli>Enroll in a Medicare Advantage plan to replace your Original Medicare \u003C\u002Fli>\n\u003Cli>Enroll in a Prescription Drug plan \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>During the Medicare Advantage Open Enrollment Period from January 1 to March 31, you can:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Switch to a different Medicare Advantage plan from your current one\u003C\u002Fli>\n\u003Cli>Disenroll from your current Medicare Advantage plan and return to Original Medicare Parts A and B\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>From April 1 – Oct 14, you will need to qualify for a special enrollment period to switch plans. Not everyone is eligible to enroll at this time. Speak to a licensed sales agent to ask questions or change plans during this time. If you enrolled in a Medicare Advantage Plan during your Initial Enrollment Period, you can change to another Medicare Advantage Plan, or go back to Original Medicare within the first 3 months you have Medicare.\u003C\u002Fp>\n",{"heading":64,"bodyCopy":65},"Can I get Original Medicare with a pre-existing condition?",{"html":66},"\u003Cp>Yes. Preexisting conditions, also known as previous health conditions, do not affect your Medicare eligibility and coverage. Original Medicare (Part A and Part B) is available to any individual age 65 or older, younger than 65 with a disability, or any age with end-stage kidney disease (ESKD).\u003C\u002Fp>\n",{"typename":68,"complianceLinks":10,"navigationLinks":10,"contextualEntryItems":10,"testimonials":10,"highlights":69,"accordions":10,"sideBarList":10,"hours":10,"heading":75,"firstLevelHeading":10,"secondLevelHeading":10,"hoursOfOperation":10,"ttyNumber":10,"iconPath":10,"bodyCopy":76,"imagePath":10,"alt":10,"images":10,"narrowCallOut":10,"lastPublishedDate":10,"copyright":10,"phoneNumber":10,"cmsId":10,"button":10,"primaryButton":10,"secondaryButton":10,"alertBar":10},"CategorySetModel",[70],{"imagePath":10,"link":71,"heading":72,"ctaLabel":73,"bodyCopy":74},"\u002Flearning-hub\u002Fcoverage\u002Funderstand-coverage-gaps","Step 3: Understand the importance of additional coverage","Next Step",{"html":10},"Congrats! You’ve reviewed costs and coverage!",{"html":77},"\u003Ch4>Speak with a licensed sales agent\u003C\u002Fh4>\n\u003Cp>##phoneNumber## | (TTY: 711) ##hoursOfOperation##\u003C\u002Fp>\n",{"typename":33,"complianceLinks":10,"navigationLinks":10,"contextualEntryItems":10,"testimonials":10,"highlights":10,"accordions":10,"sideBarList":10,"hours":10,"heading":10,"firstLevelHeading":10,"secondLevelHeading":10,"hoursOfOperation":10,"ttyNumber":10,"iconPath":10,"bodyCopy":79,"imagePath":10,"alt":10,"images":10,"narrowCallOut":10,"lastPublishedDate":10,"copyright":10,"phoneNumber":10,"cmsId":10,"button":10,"primaryButton":10,"secondaryButton":10,"alertBar":10},{"html":80},"\u003Cp>Sources\u003C\u002Fp>\n\u003Cp>1 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fwhat-medicare-covers\u002Fyour-medicare-coverage-choices\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fwhat-medicare-covers\u002Fyour-medicare-coverage-choices\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>2 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fwhat-medicare-covers\u002Fwhat-part-a-covers\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fwhat-medicare-covers\u002Fwhat-part-a-covers\u003C\u002Fa>  \u003C\u002Fp>\n\u003Cp>3 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Findex.php\u002Fwhat-medicare-covers\u002Fyour-medicare-coverage-choices\u002Fwhats-medicare\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Findex.php\u002Fwhat-medicare-covers\u002Fyour-medicare-coverage-choices\u002Fwhats-medicare\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>4 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fwhat-medicare-covers\u002Fyour-medicare-coverage-choices\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fwhat-medicare-covers\u002Fyour-medicare-coverage-choices\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>5 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fbasics\u002Fcosts\u002Fhelp\u002Fmedicare-savings-programs\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fbasics\u002Fcosts\u002Fhelp\u002Fmedicare-savings-programs\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>6 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fwhat-medicare-covers\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fwhat-medicare-covers\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>7 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Finpatient-hospital-care\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Finpatient-hospital-care\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>8 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fskilled-nursing-facility-snf-care\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fskilled-nursing-facility-snf-care\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>9 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fhospice-care\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fhospice-care\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>10 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fdoctor-other-health-care-provider-services\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fdoctor-other-health-care-provider-services\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>11 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Furgently-needed-care\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Furgently-needed-care\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>12 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fdurable-medical-equipment-dme-coverage\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fdurable-medical-equipment-dme-coverage\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>13 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fprosthetic-devices\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fprosthetic-devices\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>14 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fartificial-eyes-limbs\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fartificial-eyes-limbs\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>15 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fspeech-language-pathology-services\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fspeech-language-pathology-services\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>16 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Foccupational-therapy-services\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Foccupational-therapy-services\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>17 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fphysical-therapy-services\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fphysical-therapy-services\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>18 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fpulmonary-rehabilitation-programs\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fpulmonary-rehabilitation-programs\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>19 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fcardiac-rehabilitation\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fcardiac-rehabilitation\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>20 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fambulance-services\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fambulance-services\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>21 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fbasics\u002Fcosts\u002Fmedicare-costs\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fbasics\u002Fcosts\u002Fmedicare-costs\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>22 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fclinical-laboratory-tests\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fclinical-laboratory-tests\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>23 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fpreventive-screening-services\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fpreventive-screening-services\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>24 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fyearly-wellness-visits\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fyearly-wellness-visits\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>25 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fcoverage?coverage_search=VACCINE\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fcoverage?coverage_search=VACCINE\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>26 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fdental-services\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fdental-services\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>27 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Feye-exams-for-diabetes\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Feye-exams-for-diabetes\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>28 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Feye-exams-routine\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Feye-exams-routine\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>29 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicaid.gov\u002Fmedicaid\u002Flong-term-services-supports\u002Fpace\u002Fprograms-all-inclusive-care-elderly-benefits\u002Findex.html\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicaid.gov\u002Fmedicaid\u002Flong-term-services-supports\u002Fpace\u002Fprograms-all-inclusive-care-elderly-benefits\u002Findex.html\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>30 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fwelcome-to-medicare-preventive-visit\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fwelcome-to-medicare-preventive-visit\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>31 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fhearing-balance-exams\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fhearing-balance-exams\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>32 \u003Ca href=\"https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fhome-health-services\" target=\"_blank\" data-ispdf=\"false\" data-iscta=\"false\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fcoverage\u002Fhome-health-services\u003C\u002Fa>\u003C\u002Fp>\n",{"typename":82,"complianceLinks":83,"navigationLinks":90,"contextualEntryItems":10,"testimonials":10,"highlights":10,"accordions":10,"sideBarList":10,"hours":10,"heading":10,"firstLevelHeading":10,"secondLevelHeading":10,"hoursOfOperation":10,"ttyNumber":10,"iconPath":101,"bodyCopy":10,"imagePath":111,"alt":20,"images":10,"narrowCallOut":112,"lastPublishedDate":115,"copyright":116,"phoneNumber":10,"cmsId":117,"button":10,"primaryButton":10,"secondaryButton":10,"alertBar":10},"FooterModel",[84,87],{"typename":10,"text":85,"href":86,"target":14},"Privacy Policy","\u002Fprivacy-policy",{"typename":10,"text":88,"href":89,"target":14},"Washington MHMD Notice","\u002Fwashington-mhmd-notice",[91,94,98,100],{"text":92,"target":14,"href":93,"parentText":10},"Find Plans","#find-plans",{"text":95,"target":96,"href":97,"parentText":10},"Shop by benefit","_blank","\u002F",{"text":99,"target":96,"href":18,"parentText":10},"About Reliance",{"text":13,"target":96,"href":15,"parentText":10},[102,105,108],{"alt":103,"imagePath":104},"Facebook","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002Ffacebook-2?fmt=png-alpha",{"alt":106,"imagePath":107},"Instagram","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FInstagram?fmt=png-alpha",{"alt":109,"imagePath":110},"Twitter","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FXTwitter?fmt=png-alpha","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FRelianceBrand?fmt=png-alpha",{"firstLevelHeading":22,"secondLevelHeading":23,"hoursOfOperation":10,"ttyNumber":24,"iconPath":113},[114],{"alt":27,"imagePath":28},"2025-10-15","© Reliance Medicare Helpline 2026","MULTIPLAN_GHHMQ6FEN_2026_WEB_M",{"typename":119,"complianceLinks":10,"navigationLinks":10,"contextualEntryItems":10,"testimonials":10,"highlights":10,"accordions":10,"sideBarList":120,"hours":10,"heading":138,"firstLevelHeading":10,"secondLevelHeading":10,"hoursOfOperation":10,"ttyNumber":10,"iconPath":10,"bodyCopy":10,"imagePath":10,"alt":10,"images":10,"narrowCallOut":10,"lastPublishedDate":10,"copyright":10,"phoneNumber":10,"cmsId":10,"button":10,"primaryButton":10,"secondaryButton":10,"alertBar":10},"SideBarSetModel",[121,124,127,129,132,135],{"heading":122,"target":14,"href":123},"Prepare for enrollment","\u002Flearning-hub\u002Fenrollment\u002Fprepare-for-enrollment",{"heading":125,"target":14,"href":126},"Review cost and coverage","\u002Flearning-hub\u002Fcost\u002Freview-cost-coverage",{"heading":128,"target":14,"href":71},"The importance of additional coverage",{"heading":130,"target":14,"href":131},"Explore Medicare Advantage","\u002Flearning-hub\u002Fmedicare-basics\u002Fexplore-medicare-advantage",{"heading":133,"target":14,"href":134},"Evaluate your options with Medicare Advantage plans","\u002Flearning-hub\u002Fplan-types\u002Fevaluate-your-options",{"heading":136,"target":14,"href":137},"Make an educated decision","\u002Flearning-hub\u002Fenrollment\u002Fmake-an-educated-decision","Learning hub",[140],{"disclaimerCopy":141,"dropdownTitle":143,"dropdownCopy":144},{"html":142},"\u003Cp>Innovative Financial Group is a licensed representative of Medicare Advantage organization and stand-alone PDP prescription drug plans. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal. Reliance Medicare Helpline is owned and operated by Innovative Financial Group (IFG), a licensed insurance agency. No government affiliation.\u003Cbr>\n\u003Cbr>\nReliance Medicare Helpline represents Medicare Advantage HMO, PPO, PFFS, and PDP organizations that have a Medicare contract or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.\u003Cbr>\n\u003Cbr>\nWe do not offer every plan available in your area. Currently we represent ##carriers## organizations which offer ##products## products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program(SHIP) to get information on all of your options.\u003Cbr>\n\u003Cbr>\nIf you are turning 65, otherwise new to Medicare, losing benefits at work, moving, or have both Medicare and Medicaid you may be eligible. Other circumstances may qualify you as well.\u003Cbr>\n\u003Cbr>\nCosts, coverage, and benefits vary by location. These premiums and benefits may not be available on all Medicare Advantage plans. There may be no plan in your service area that includes all of these benefits.\u003Cbr>\n\u003Cbr>\nReliance Medicare Inc. and its subsidiaries comply with applicable Federal civil rights laws and do not discriminate or exclude people because of their race, color, religion, gender, gender identity, sex, sexual orientation, age, disability, national origin, military status, veteran status, genetic information, ancestry, ethnicity, marital status, language, health status, or need for health services. We also provide free language interpreter services. See our full accessibility rights information, non-discrimination disclosure, and language options.\u003C\u002Fp>\n","Pre Zip Code",{"html":145},"\u003Cp>The spending allowance, Extra Debit, Chronic Condition Care Assistance, Music Therapy is a special program for members with specific health conditions. Qualifying conditions include diabetes mellitus, cardiovascular disorders, chronic and disabling mental health conditions, chronic lung disorders, or chronic heart failure, among others. Some plans require at least two conditions and other requirements apply. See the plan's Evidence of Coverage for details. If you use this program for rent or utilities, Housing and Urban Development (HUD) requires it to be reported as income if you seek assistance. Contact your local HUD office if you have questions.\u003C\u002Fp>\n\u003Cp>Innovative Financial Group is a licensed representative of Medicare Advantage organization and stand-alone PDP prescription drug plans. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal. Reliance Medicare Helpline is owned and operated by Innovative Financial Group (IFG), a licensed insurance agency. No government affiliation.\u003Cbr>\n\u003Cbr>\nReliance Medicare Helpline represents Medicare Advantage HMO, PPO, PFFS, and PDP organizations that have a Medicare contract or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.\u003Cbr>\n\u003Cbr>\nWe do not offer every plan available in your area. Currently we represent 6 organizations which offer 3,398 products in your area for 2026. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program(SHIP) to get information on all of your options. These numbers reflect our national offerings. To locate a plan in your service area, please enter your zip code or call one of our licensed sales agents.\u003C\u002Fp>\n\u003Cp>\u003Cbr>\nIf you are turning 65, otherwise new to Medicare, losing benefits at work, moving, or have both Medicare and Medicaid you may be eligible. Other circumstances may qualify you as well.\u003Cbr>\n\u003Cbr>\nCosts, coverage, and benefits vary by location. These premiums and benefits may not be available on all Medicare Advantage plans. There may be no plan in your service area that includes all of these benefits.\u003Cbr>\n\u003Cbr>\nReliance Medicare Inc. and its subsidiaries comply with applicable Federal civil rights laws and do not discriminate or exclude people because of their race, color, religion, gender, gender identity, sex, sexual orientation, age, disability, national origin, military status, veteran status, genetic information, ancestry, ethnicity, marital status, language, health status, or need for health services. We also provide free language interpreter services. See our full accessibility rights information, non-discrimination disclosure, and language options.\u003C\u002Fp>\n",{"type":10,"bodyCopy":147,"iconPath":10,"tooltipTile":10},{"html":148},"\u003Cp>Reliance Medicare Helpline is an insurance agency with no government affiliation\u003C\u002Fp>\n"]