Medicare / The Insurance Hawk
Your Medicare, built around you.
Medicare can feel like a lot of moving parts. That’s totally understandable. Here’s the good news: most people do great with Original Medicare, a Supplement, and a few pieces that fit their life. See how it fits together, then pick your path when you’re ready.
Independent agency · 15+ years · 15,000+ people helped · 200+ carriers · all 50 states
The whole thing on one page
Original Medicare, a Supplement, and the pieces that fit you.
This is the setup we suggest for most people. Start with Original Medicare, add a Supplement to cover the gaps, then the few extra pieces you actually need. You keep any doctor, and your costs stay easy to plan for. Medicare Advantage rolls it all into one plan. We set that up too, usually when a Supplement is out of reach.
Medigap
Add-onCovers the bills Original Medicare leaves you, so you keep any doctor without surprise costs.
Part D (Drugs)
Add-onAdds prescription drug coverage.
Original Medicare
The government base. Part A (hospital) and Part B (medical).
Medicare Advantage
Bundles your parts into one plan, with a network and more rules. We point here when a Supplement is out of reach.
Not sure which pieces you need? The guided walk-through asks a few questions and points you to the parts that fit your doctors and your budget.
The parts, in plain English
What each part actually does for you
- Original Medicare
- Original Medicare (Parts A & B) is the government foundation. Broad provider access, no drug coverage, no annual out-of-pocket maximum.
- Medigap
- Standardized lettered plans that pay many costs left by Parts A & B to make expenses predictable.
- Part D (Drugs)
- Standalone drug plans with formularies, tiers, and spend phases. 2026 annual OOP cap of $2,100; $35/month insulin cap continues.
- Medicare Advantage
- Private Part C plans combining A, B (and usually D) with networks, copays, extras, and an annual spending cap.
The foundation
$202.90 Part B premium, 2026
LearnAdd-on
$90–$210 typical monthly premium
LearnAdd-on
$2,100 2026 out-of-pocket cap
LearnThe all-in-one option
$0 premium common
LearnSee how the pieces fit your situation
The guided walk-through takes a few minutes and points you to the parts that fit your doctors and your budget. Want to look first? Browse plans or read the basics. And when you want to talk it through, a licensed agent who works for you is right here. No pressure.
2026 figures shown are standard amounts and vary by plan and area. The Insurance Hawk is an independent agency. We compare your options across many carriers, and we never pressure you. Save your money, keep your freedom.
