Medicare Basics

Understanding Medicare does not have to be overwhelming. SCG Insurance provides clear, easy to understand information about Medicare basics, coverage options, costs and enrollment to help you make informed healthcare decisions.

Medicare Made Simple

Making sense of Medicare can feel overwhelming, especially when you are approaching eligibility for the first time. Our goal is to provide clear, easy to understand information so you can better understand your Medicare options and make informed decisions about your healthcare coverage.

This resource center is designed to help you learn the basics of Medicare, understand the different parts of Medicare, review current costs and explore available coverage options. Whether you are turning 65, retiring, or helping a family member navigate Medicare, we are here to provide educational resources and guidance.

Important. Medicare plan availability, costs and benefits may vary by carrier and location. Always review official Medicare information and plan documents before enrolling.

Medicare explained

Medicare is a federal health insurance program with different parts that help cover specific healthcare services. It is primarily for individuals age 65 and older, certain individuals under 65 with qualifying disabilities, and individuals with End-Stage Renal Disease or certain qualifying conditions.

Part A

Hospital Insurance

Helps cover inpatient hospital stays, skilled nursing facility care, hospice care and certain home health services.

Part B

Medical Insurance

Helps cover doctor visits, outpatient care, preventive services, durable medical equipment and some home health services.

Part C

Medicare Advantage

Offered by private insurance companies approved by Medicare. These plans may include additional benefits.

Part D

Prescription Drug Coverage

Helps cover the cost of prescription medications through private plans approved by Medicare.

Medicare Supplement

(Medigap)

Helps cover some out-of-pocket costs not paid by Original Medicare.

Need help understanding Medicare?

Every person’s healthcare needs and budget are different. Our licensed agents can help you explore your options and find the coverage that fits your life.

Schedule a Consultation

2026 Costs at a Glance

Part A Premium

Most people pay $0

Less than 30 quarters: $565
30 to 39 quarters: $311

Part B Premium

Most people pay $202.90 per month

Higher-income individuals may pay more.

Request a reduction with Form SSA-44 (PDF) → (opens in a new tab)

Part B Deductible & Coinsurance

$283 annual deductible

After the deductible, you pay 20% of the Medicare-approved amount for most covered services.

Part C (Medicare Advantage)

Monthly premium varies by plan.

Additional costs may apply depending on the plan.

Part D Prescription Drug Coverage

Monthly premium varies by plan.

Higher-income individuals may pay more.

This information comes from www.medicare.gov (opens in a new tab). Costs are subject to change.

Need help understanding Medicare?

Every person’s healthcare needs and budget are different. Reviewing your options with us can help you better understand the coverage available in your area. Medicare education, Advantage plan reviews, Medigap information, Part D assistance and annual enrollment reviews are all available at no cost.