Costs & Savings
What will Medicare really cost you? These guides cover the 2026 premiums and deductibles, the surcharge higher earners need to watch, and the programs that can meaningfully lower what you pay.
IRMAA: The Medicare Surcharge for Higher Incomes
Higher earners pay more for Medicare. The 2026 income brackets, the two-year look-back trap, how to lower it, and how to appeal with Form SSA-44, in plain English.
2027 Medicare Changes Every Kentuckian Should Know
A new $2,400 drug cap, round two of negotiated prices (Ozempic and Wegovy included), new Medicare Advantage protections, and exactly what to do this fall, in plain English.
Does Medicare Cover Ozempic, Wegovy & Zepbound? The 2026 GLP-1 Bridge, Explained
When Medicare pays for GLP-1 drugs, why the diagnosis matters, and the brand-new GLP-1 Bridge that covers Wegovy, Zepbound, and Foundayo for weight loss at a $50 copay starting July 1, 2026.
Does Medicare Cover Nursing Homes? The Truth About Long-Term Care
The biggest question families get wrong: what Medicare really pays in a nursing home, the skilled-vs-custodial trap, 2026 costs, and how Kentucky Medicaid fills the gap.
Medicare Part D Explained: How Drug Plans Work in 2026
Prescription coverage in plain English: how plans work, the new $2,100 out-of-pocket cap, the late penalty, and the 2026 changes that lower your drug costs.
2026 Medicare Changes Every Kentuckian Should Know
Lower prices on common drugs, a new $2,100 cap on prescriptions, higher Part B costs, and Advantage plan changes, in plain English.
Medicare Costs in 2026: What You'll Actually Pay
Part A, B, and D costs for 2026, plus the IRMAA surcharge higher earners need to watch for.
Help Paying for Medicare: Extra Help and Savings Programs
Programs that cut your costs if money is tight, Extra Help, the Savings Programs, and how to apply in Kentucky.
More topics in the Learning Center
Prefer to just ask someone?
Austin is a licensed local agent who does this every day. No call center, no pressure, no cost.