If you choose Original Medicare, you can buy a policy to help pay for out-of-pocket costs like coinsurance and deductibles.
: These are standalone plans you buy if you have Original Medicare.
To get coverage for things like prescription drugs or extra benefits (dental/vision), you buy plans from Medicare-approved private insurance companies . can you buy medicare
: Premiums vary by the company and the specific medications they cover. 3. Buying Medicare Supplement Insurance (Medigap)
: You can buy Part A. Depending on how long you worked, the monthly premium in 2026 is either $311 or $565 . If you choose Original Medicare, you can buy
: The best time is during your 6-month Medigap Open Enrollment Period , which starts the month you are 65 and enrolled in Part B. During this time, companies cannot deny you coverage or charge more for pre-existing conditions.
: The standard monthly premium is determined annually (typically around $170–$185+, though higher-income earners pay more). : Premiums vary by the company and the
: You can sign up through the Social Security Administration (SSA) . 2. Buying Private Medicare Plans (Parts C & D)