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Pick a health scenario and a plan. See what Medicare covers, what you'd pay out of pocket, and where gaps remain. Numbers are estimates based on 2026 published Medicare costs.
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Pick the closest match — you can fine-tune below.
Not sure? Most people start with .
(hospital) and (medical) are the two pieces of — provided by the federal government.
Medicare Part A (Hospital Insurance) covers inpatient hospital stays, skilled nursing, and hospice — usually with no premium if you worked 10+ years.
Co-insurance depends on how long you stay: $0/day for the first 60 inpatient days, then daily co-insurance kicks in for days 61–90 and beyond. Skilled-nursing facility stays have their own tier (days 21–100). The longer the stay, the higher your out-of-pocket share.
Medicare Part B (Medical Insurance) covers doctor visits, outpatient care, and durable medical equipment, requiring a monthly premium based on income.
Together with Part A it forms Original Medicare — your full coverage for both inpatient and outpatient needs.
You pay the federal government, but the exact entity depends on how you receive your benefits.
Social Security Administration (SSA): If you receive retirement, disability, or Railroad Retirement Board (RRB) benefits, your premium is automatically deducted from your monthly check.
Centers for Medicare & Medicaid Services (CMS): If you do not collect Social Security, you pay Medicare directly.
and are the two private options that supplement (or replace) Original Medicare. Regulated by the government, priced by private companies.
You can pick only one of these types of secondary coverage.