Independent brokerage · Since 1981
Our mission is to become America's most respected Medicare insurance brokerage.
Treating clients as if they were our own family members. Licensed agents who compare every carrier we represent, explain the 2026 numbers in plain English, and review your rate every single year.
No cost to you · No obligation · We never sell your information
Where to start
Research your Medicare insurance options
Three paths, three different trade-offs. We walk through each one honestly, then help you pick the one that fits your doctors, prescriptions, and budget.
Medicare Supplement Insurance (Medigap)
Buy a private policy that pays the deductibles, coinsurance, and copays Original Medicare leaves behind. Plans are standardized by letter, so you compare price and service, not fine print.
- See any doctor who accepts Medicare
- Predictable out-of-pocket costs
- Renewable for life
Medicare Advantage Plans (Part C)
Receive your Part A and Part B benefits through a private plan, usually with drug coverage and extras built in. In 2026 the in-network out-of-pocket limit can be no higher than $9,250.
- Often a $0 monthly premium
- Dental, vision, and hearing extras
- A yearly chance to change plans
Medicare Part D
Add standalone prescription drug coverage to Original Medicare. In 2026 there is a hard $2,100 cap on what you pay out of pocket for covered drugs for the year.
- Capped annual drug spending
- Coverage for generics and brands
- Late enrollment penalties avoided
Updated for 2026
What changed in Medicare this year
The premiums, deductibles, and coinsurance amounts reset every January. These are the official 2026 numbers beside last year's, so you can see exactly what moved.
The headline: the Part B premium rose to $202.90 per month and the hospital deductible rose to $1,736. Part D drug spending is now capped at $2,100 for the year.
Full 2026 cost reference →| Cost | 2025 | 2026 |
|---|---|---|
| Part A inpatient hospital deductible (per benefit period) | $1,676 | $1,736 |
| Part A hospital coinsurance, days 61 to 90 | $419 per day | $434 per day |
| Part A lifetime reserve days, days 91 to 150 | $838 per day | $868 per day |
| Skilled nursing facility coinsurance, days 21 to 100 | $209.50 per day | $217 per day |
| Part B standard monthly premium | $185.00 | $202.90 |
| Part B annual deductible | $257 | $283 |
| Part D maximum deductible | $590 | $615 |
| Part D out-of-pocket cap on covered drugs | $2,000 | $2,100 |
| Medicare Advantage out-of-pocket maximum (in-network limit) | $9,350 | $9,250 |
Swipe the table sideways to compare 2025 with 2026.
Why we're different
Independent advice, from people who answer the phone
Seniors love doing business with SecureCare65 and show their appreciation every day by recommending us to their friends and family. We look at every review as a lesson, because our goal is to earn the trust you place in us.
Serving seniors since 1981
Four decades of doing one thing well. Nearly every client who comes to us was sent by a friend or a family member, and we treat that introduction as the compliment it is.
Your advocate, not a salesperson
We work for you, not for an insurance company. Carriers pay us the same regardless of which plan you choose, and the premium they charge you is set by state regulators and is not negotiable.
Annual Rate Review, every year
Medigap premiums rise over time. Every year, without being asked, we re-shop your policy against every carrier we represent. If an available plan would save you 5% or more, we contact you with the recommendation.
It's as easy as 1-2-3
Three simple steps to the right plan
- 1
Tell us what matters
A few quick questions: your ZIP code, your doctors, and the prescriptions you take. It takes about a minute, and there is nothing to buy at the end of it.
- 2
Review real 2026 rates
We put the carriers we represent side by side with the actual 2026 premiums for your age and state, and we explain the trade-offs in plain English.
- 3
Talk to a licensed agent
One call with someone who has done this for decades. No pressure, no scripts, and no cost to you whether you enroll today or next year.
Medicare Supplement Carriers
- Aetna
- Mutual of Omaha
- United of Omaha
- United World Life
- Omaha Supplemental
- Cigna
- HealthSpring
- Blue Cross Blue Shield
- AARP
- Transamerica
- Medico
- Bankers Fidelity
- Bankers Fidelity Assurance
- Atlantic Capital Life
- Bankers Life
- Washington National
- Atlantic Coast Life
- Colonial Penn
- CSI
- Equitable Life
- Everest
- Federal Life
- Guarantee Trust Life
- Heartland National
- IAC
- Lumico
- National General
- NGL
- New Era Life
- Pekin
- Philadelphia American
- Puritan Life
- Shenandoah
- State Mutual
- Thrivent
- United American
- United Home Life
- United States Fire
- American Financial Security
- Independence American
- LifeShield
- INA
- ACE
- Aflac
- Lumos
- Gerber Life
- WoodmenLife
- Physicians Mutual
Included with every policy
An annual rate review, whether you ask for one or not
Medicare insurers reprice their books on their own schedule, and the increase usually arrives before anyone explains it. Once a year we re-shop every client's policy against the carriers we represent and, if there is a better rate, we are the ones who bring it up.
Nothing to request
The review happens on its own. You do not call, you do not fill out a form, and you do not have to remember a date. Every policy we service is re-priced once a year, every year you hold it.
The 5% threshold
If a plan available to you would bring your premium down by 5% or more, it counts as a recommendation. Anything smaller is not worth uprooting a policy that is working.
You hear from us either way
When there is a real saving, we contact you with the plan, the new rate and the numbers behind the comparison. When there is not, we tell you that too, so silence is never mistaken for a review.
Learning Center
From the SecureCare65 Learning Center
What Quietly Resets Every January in Medicare
Deductibles, premiums and drug caps restart each calendar year. This is our running account of what moved, updated with the verified 2026 figures.
December 19, 2020
The Seven Things Medicare Leaves Out
Teeth, eyes, ears, long-term care and a few others sit outside the benefit. Knowing the list in advance beats discovering it at the front desk.
December 15, 2020
Is a Medigap Premium Worth It? Three Questions That Decide
A supplement buys predictability rather than care. Whether that trade pays off comes down to how you use doctors, how you travel, and what a surprise bill would do to your savings.
December 10, 2020
No cost, no obligation
Get your free 2026 Medicare quote
One conversation with a licensed agent. We compare every carrier we represent and tell you plainly which option fits your doctors, your prescriptions, and your budget.