{"id":2613,"date":"2026-05-29T22:12:08","date_gmt":"2026-05-29T22:12:08","guid":{"rendered":"https:\/\/qualityhometextiles.com\/seniorbenefits\/?page_id=2613"},"modified":"2026-07-24T20:18:02","modified_gmt":"2026-07-24T20:18:02","slug":"getting-started","status":"publish","type":"page","link":"https:\/\/qualityhometextiles.com\/seniorbenefits\/getting-started\/","title":{"rendered":"Getting Started"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2613\" class=\"elementor elementor-2613\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32b76b0 e-con-full hero-arc-section e-flex e-con e-parent\" data-id=\"32b76b0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f6e8dd4 e-con-full hero-arc-section2 e-flex e-con e-child\" data-id=\"f6e8dd4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-656fcbf e-con-full e-flex e-con e-child\" data-id=\"656fcbf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-525795a elementor-widget elementor-widget-heading\" data-id=\"525795a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Getting Started with <span class=\"color-overview\">Medicare<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-efd8b30 elementor-widget elementor-widget-text-editor\" data-id=\"efd8b30\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Simple steps to understand your coverage and make confident healthcare choices.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4fc6dc elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"e4fc6dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Understand your options<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Know your costs<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Get the coverage you deserve<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-582b276 e-flex e-con-boxed e-con e-parent\" data-id=\"582b276\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3091d64 e-con-full new-container-box e-flex elementor-invisible e-con e-child\" data-id=\"3091d64\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-0221452 e-con-full key-point e-flex elementor-invisible e-con e-child\" data-id=\"0221452\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:200,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ff08ff elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"2ff08ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-star\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47cde17 elementor-widget elementor-widget-heading\" data-id=\"47cde17\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Key<br><span class=\"color-overview\">Points<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a3812b1 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"a3812b1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:300,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-280f162 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"280f162\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-user-check\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224 256c70.7 0 128-57.3 128-128S294.7 0 224 0 96 57.3 96 128s57.3 128 128 128zm89.6 32h-16.7c-22.2 10.2-46.9 16-72.9 16s-50.6-5.8-72.9-16h-16.7C60.2 288 0 348.2 0 422.4V464c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48v-41.6c0-74.2-60.2-134.4-134.4-134.4zm323-128.4l-27.8-28.1c-4.6-4.7-12.1-4.7-16.8-.1l-104.8 104-45.5-45.8c-4.6-4.7-12.1-4.7-16.8-.1l-28.1 27.9c-4.7 4.6-4.7 12.1-.1 16.8l81.7 82.3c4.6 4.7 12.1 4.7 16.8.1l141.3-140.2c4.6-4.7 4.7-12.2.1-16.8z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIf you are not drawing your Social Security benefits before turning 65, you must self-enroll into Medicare. If you have been drawing your benefits for a while, you may be auto-enrolled.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6fd8b0d e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"6fd8b0d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:400,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-83324a6 elementor-position-inline-start list-set elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"83324a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-th-large\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M296 32h192c13.255 0 24 10.745 24 24v160c0 13.255-10.745 24-24 24H296c-13.255 0-24-10.745-24-24V56c0-13.255 10.745-24 24-24zm-80 0H24C10.745 32 0 42.745 0 56v160c0 13.255 10.745 24 24 24h192c13.255 0 24-10.745 24-24V56c0-13.255-10.745-24-24-24zM0 296v160c0 13.255 10.745 24 24 24h192c13.255 0 24-10.745 24-24V296c0-13.255-10.745-24-24-24H24c-13.255 0-24 10.745-24 24zm296 184h192c13.255 0 24-10.745 24-24V296c0-13.255-10.745-24-24-24H296c-13.255 0-24 10.745-24 24v160c0 13.255 10.745 24 24 24z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tThere are four main parts to Medicare:<br>\n<ul>\n<li>A \u2013 Hospital coverage<\/li>\n<li>B \u2013 Medical coverage<\/li>\n<li>C \u2013 Medicare Advantage<\/li>\n<li>D \u2013 Prescription drug coverage<\/li>\n<\/ul>\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d3de67a e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"d3de67a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:500,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f8946a2 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"f8946a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-exclamation-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.997-111.043 248-248 248S8 392.997 8 256C8 119.083 119.043 8 256 8s248 111.083 248 248zm-248 50c-25.405 0-46 20.595-46 46s20.595 46 46 46 46-20.595 46-46-20.595-46-46-46zm-43.673-165.346l7.418 136c.347 6.364 5.609 11.346 11.982 11.346h48.546c6.373 0 11.635-4.982 11.982-11.346l7.418-136c.375-6.874-5.098-12.654-11.982-12.654h-63.383c-6.884 0-12.356 5.78-11.981 12.654z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tMedicare does not cover all services. Most notably, dental, vision, and hearing is generally not covered.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-68af21a e-flex e-con-boxed e-con e-parent\" data-id=\"68af21a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d80cbec e-con-full e-flex e-con e-child\" data-id=\"d80cbec\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-e86c215 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"e86c215\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8dcf89e elementor-widget elementor-widget-heading\" data-id=\"8dcf89e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is <span class=\"color-overview\">Medicare<\/span>?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be92dca elementor-widget elementor-widget-text-editor\" data-id=\"be92dca\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Original Medicare is coverage managed by the federal government. Medicare is not free and generally, there is a cost for each service. The government pays for Medicare via a Medicare tax and monthly premiums.<\/p><p>Once you pay your deductibles, Medicare begins to pay their share. What\u2019s left over is your share, also known as your coinsurance\/copayment. Unfortunately, there is no yearly limit or maximum out of pocket for Original Medicare. That means you continue to be responsible for your share of all medical costs, no matter the amount.<\/p><p>With Original Medicare, you don\u2019t need to choose a primary care physician and you do not need a referral to see a specialist. Although, all physicians you see must accept Medicare for you to be covered. Physicians also have the ability to \u201caccept assignment\u201d. This means that the physician accepts the approved Medicare cost for a specific service. If a physician does <u>not<\/u> \u201caccept assignment\u201d, they may charge up to 15% more than the Medicare approved amount, which is also known as excess charges. A list of services Medicare does <u>not<\/u> cover can be seen at the bottom of this page.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4524b9f e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"4524b9f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:250,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-de2b294 smart-sticky-box medicare-img elementor-widget elementor-widget-image\" data-id=\"de2b294\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/05\/whats-medicare2-1024x1024.avif\" class=\"attachment-large size-large wp-image-2625\" alt=\"\" srcset=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/05\/whats-medicare2-1024x1024.avif 1024w, https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/05\/whats-medicare2-300x300.avif 300w, https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/05\/whats-medicare2-150x150.avif 150w, https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/05\/whats-medicare2-768x768.avif 768w, https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/05\/whats-medicare2.avif 1254w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1a9ad12 e-con-full e-flex e-con e-child\" data-id=\"1a9ad12\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-516550d e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"516550d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:250,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e8a644b smart-sticky-box medicare-img elementor-widget elementor-widget-image\" data-id=\"e8a644b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"819\" src=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/05\/parts-of-medicare3-1024x819.avif\" class=\"attachment-large size-large wp-image-2636\" alt=\"\" srcset=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/05\/parts-of-medicare3-1024x819.avif 1024w, https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/05\/parts-of-medicare3-300x240.avif 300w, https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/05\/parts-of-medicare3-768x615.avif 768w, https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/05\/parts-of-medicare3.avif 1402w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-27492f3 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"27492f3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c6a12e1 elementor-widget elementor-widget-heading\" data-id=\"c6a12e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to <span class=\"color-overview\">Start  Medicare<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16417ed answer-faq elementor-widget elementor-widget-text-editor\" data-id=\"16417ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you are already drawing your social security benefits at least 4 months prior to turning 65, your Part A and Part B Medicare will automatically start the 1<sup>st<\/sup> day of your birth month, unless your birthday is on the 1<sup>st<\/sup>. If you have credible employer health coverage at the time, you may defer your Part B until that coverage ends. It\u2019s important to check and see <a href=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/new-to-medicare\/#medicare-vs-employer-coverage\">which option has the best and most affordable coverage for you<\/a>.<\/p><p>If you are not drawing your social security benefits yet, you will need to self-enroll into Medicare Parts A and B. Most commonly, this can be achieved by visiting your local Social Security Administration office, or by starting an account at <a href=\"https:\/\/www.ssa.gov\/\" target=\"_blank\" rel=\"noopener\">SSA.gov<\/a>. In SSA.gov, you may start drawing your benefits as well as start your Medicare all in one place.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b79269c e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"b79269c\" data-element_type=\"container\" data-e-type=\"container\" id=\"parts-of-medicare\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-82d641d e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"82d641d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3bb219b e-con-full e-flex e-con e-child\" data-id=\"3bb219b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7491998 elementor-widget elementor-widget-heading\" data-id=\"7491998\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Parts of Medicare \u2013  <span class=\"color-overview\">The ABC\u2019s<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bab130 answer-faq elementor-widget elementor-widget-text-editor\" data-id=\"4bab130\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Medicare has 4 main parts: Part A, B, C, and D. Each part has its own role in your overall health coverage and each part may start at different times. What\u2019s important to distinguish is that the costs associated with each part vary. You must sign up for Parts A, B, and D when you become eligible and plan to use Medicare as your primary insurance, as these parts incur a penalty for late enrollment.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-676291b e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"676291b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-91f7533 e-con-full smart-sticky-box e-flex e-con e-child\" data-id=\"91f7533\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e853378 elementor-widget elementor-widget-image\" data-id=\"e853378\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/06\/part-a-1024x683.webp\" class=\"attachment-large size-large wp-image-2647\" alt=\"\" srcset=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/06\/part-a-1024x683.webp 1024w, https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/06\/part-a-300x200.webp 300w, https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/06\/part-a-768x512.webp 768w, https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/06\/part-a.webp 1536w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eefda8d e-con-full e-flex e-con e-child\" data-id=\"eefda8d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1bd6013 elementor-widget elementor-widget-heading\" data-id=\"1bd6013\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Part A <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e37cb2 elementor-widget elementor-widget-heading\" data-id=\"2e37cb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Hospital Coverage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d9b6065 e-con-full e-flex e-con e-child\" data-id=\"d9b6065\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-963ea1b answer-faq elementor-widget elementor-widget-text-editor\" data-id=\"963ea1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Part A is your hospital insurance. This covers most expenses related to the hospital, such as inpatient hospital stays, home health care, hospice, skilled nursing facilities, durable medical equipment, and more. For a full list of what Part A is responsible for, visit <a href=\"https:\/\/www.medicare.gov\/\" target=\"_blank\" rel=\"noopener\">Medicare.gov<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22306a3 table-space-remove elementor-widget elementor-widget-elementskit-table\" data-id=\"22306a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n<div class=\"ekit_table display  ekit_table_data_type-custom\"\n\tdata-settings=\"{&quot;fixedHeader&quot;:false,&quot;search&quot;:false,&quot;search_placeholder&quot;:&quot;&quot;,&quot;responsive&quot;:false,&quot;pagination&quot;:false,&quot;button&quot;:false,&quot;entries&quot;:false,&quot;info&quot;:false,&quot;info_text&quot;:&quot;&quot;,&quot;entries_text&quot;:&quot;&quot;,&quot;ordering&quot;:false,&quot;searchIcon&quot;:&quot;&quot;,&quot;item_per_page&quot;:10,&quot;nav_style&quot;:&quot;&quot;,&quot;prev_text&quot;:&quot;&quot;,&quot;next_text&quot;:&quot;&quot;,&quot;prev_arrow&quot;:&quot;&quot;,&quot;next_arrow&quot;:&quot;&quot;}\">\n\t<table id=\"ekit-table-container-22306a3\" class=\"display dataTable\" style=\"width:100%\"><thead><tr>\t<th class=\"elementor-repeater-item-d9947a7\">\n\t\t<div\n\t\t\tclass=\"ekit_table_item_container  ekit-table-container- \">\n\t\t\tCost Category\t\t<\/div>\n\t<\/th>\n\t\t<th class=\"elementor-repeater-item-ca91030\">\n\t\t<div\n\t\t\tclass=\"ekit_table_item_container  ekit-table-container- \">\n\t\t\tDescription &amp; Amount\t\t<\/div>\n\t<\/th>\n\t <\/tr><\/thead><tbody><tr>\t<td data-order=\"Part A Premium\"\n\t\tclass=\"elementor-repeater-item-8d7bcac ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Part A Premium<\/p>\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"$0 for most people. To qualify for a $0 premium, you must have been paying Medicare taxes for at least 10 years. If you don\u2019t qualify, your premium is based on the number of years you have paid Medicare taxes. The premium is either $565 or $311, which is based on whether you paid taxes less than or greater than 30 quarters, respectively.\"\n\t\tclass=\"elementor-repeater-item-c3fb836 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p><strong>$0 for most people.<\/strong> To qualify for a $0 premium, you must have been paying Medicare taxes for at least 10 years. If you don\u2019t qualify, your premium is based on the number of years you have paid Medicare taxes. The premium is either $565 or $311, which is based on whether you paid taxes less than or greater than 30 quarters, respectively.<\/p>\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t<tr>\t<td data-order=\"Part A Penalty\"\n\t\tclass=\"elementor-repeater-item-ee7e762 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Part A Penalty<\/p>\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"If pay for your Part A, your premium may be higher if you sign up late. The penalty is an extra 10% on top of your monthly premium for twice the number of years you should have had Part A.\"\n\t\tclass=\"elementor-repeater-item-5fdf613 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>If pay for your Part A, your premium may be higher if you sign up late. <strong>The penalty is an extra 10% on top of your monthly premium for twice the number of years you should have had Part A.<\/strong><\/p>\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t<tr>\t<td data-order=\"Part A Deductible\"\n\t\tclass=\"elementor-repeater-item-5a1ca8d ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Part A Deductible<\/p>\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"$1736 for each time you\u2019re admitted to a hospital per benefit period \u2013 each benefit period lasts until you have no longer been in care for a continuous 60 days.\"\n\t\tclass=\"elementor-repeater-item-91fd4f6 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p><strong>$1736<\/strong> for each time you\u2019re admitted to a hospital per benefit period \u2013 each benefit period lasts until you have no longer been in care for a continuous 60 days.<\/p>\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t<tr>\t<td data-order=\"Costs\/Inpatient Hospital stays\"\n\t\tclass=\"elementor-repeater-item-a3cbfff ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Costs\/Inpatient Hospital stays<\/p>\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Days 1-60: $0 after you pay your deductibleDays 61-90: $434 each dayDays 91-150: $868 each dayDays 150+: Total costs Days 91-150 use your lifetime reserve days (max 60)You are typically responsible for 20% of other services.\"\n\t\tclass=\"elementor-repeater-item-a744765 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Days 1-60: $0 after you pay your deductible<br \/>Days 61-90: $434 each day<br \/>Days 91-150: $868 each day<br \/>Days 150+: Total costs <br \/>Days 91-150 use your lifetime reserve days (max 60)<br \/>You are typically responsible for 20% of other services.<\/p>\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t <\/tbody><\/table><\/div>\n\n\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0ec147a e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"0ec147a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4e6aa17 e-con-full smart-sticky-box e-flex e-con e-child\" data-id=\"4e6aa17\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e4d697f elementor-widget elementor-widget-image\" data-id=\"e4d697f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/06\/part-b-1024x683.webp\" class=\"attachment-large size-large wp-image-2689\" alt=\"\" srcset=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/06\/part-b-1024x683.webp 1024w, https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/06\/part-b-300x200.webp 300w, https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/06\/part-b-768x512.webp 768w, https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/06\/part-b.webp 1536w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d1b7037 e-con-full e-flex e-con e-child\" data-id=\"d1b7037\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e6d8bbc elementor-widget elementor-widget-heading\" data-id=\"e6d8bbc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Part B<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d6b0f3 elementor-widget elementor-widget-heading\" data-id=\"2d6b0f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Medical Coverage <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-263673d e-con-full e-flex e-con e-child\" data-id=\"263673d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9945351 answer-faq elementor-widget elementor-widget-text-editor\" data-id=\"9945351\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Part B is your medical insurance. This includes expenses related to outpatient surgeries, doctor office visits, diagnostics, chemotherapy, and more. For a full list of what Part B is responsible for, visit <a href=\"https:\/\/www.scdhhs.gov\/\" target=\"_blank\" rel=\"noopener\">Medicare.gov<\/a>. Low-income individuals may qualify for state assistance or <a href=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/already-on-medicare\/#ancillary-products\">Medicaid<\/a>. State assistance may help with costs such as premiums, deductibles, and coinsurance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4245f39 table-space-remove elementor-widget elementor-widget-elementskit-table\" data-id=\"4245f39\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n<div class=\"ekit_table display  ekit_table_data_type-custom\"\n\tdata-settings=\"{&quot;fixedHeader&quot;:false,&quot;search&quot;:false,&quot;search_placeholder&quot;:&quot;&quot;,&quot;responsive&quot;:false,&quot;pagination&quot;:false,&quot;button&quot;:false,&quot;entries&quot;:false,&quot;info&quot;:false,&quot;info_text&quot;:&quot;&quot;,&quot;entries_text&quot;:&quot;&quot;,&quot;ordering&quot;:false,&quot;searchIcon&quot;:&quot;&quot;,&quot;item_per_page&quot;:10,&quot;nav_style&quot;:&quot;&quot;,&quot;prev_text&quot;:&quot;&quot;,&quot;next_text&quot;:&quot;&quot;,&quot;prev_arrow&quot;:&quot;&quot;,&quot;next_arrow&quot;:&quot;&quot;}\">\n\t<table id=\"ekit-table-container-4245f39\" class=\"display dataTable\" style=\"width:100%\"><thead><tr>\t<th class=\"elementor-repeater-item-d9947a7\">\n\t\t<div\n\t\t\tclass=\"ekit_table_item_container  ekit-table-container- \">\n\t\t\tCost Category\t\t<\/div>\n\t<\/th>\n\t\t<th class=\"elementor-repeater-item-ca91030\">\n\t\t<div\n\t\t\tclass=\"ekit_table_item_container  ekit-table-container- \">\n\t\t\tDescription &amp; Amount\t\t<\/div>\n\t<\/th>\n\t <\/tr><\/thead><tbody><tr>\t<td data-order=\"Part B Premium\"\n\t\tclass=\"elementor-repeater-item-8d7bcac ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Part B Premium<\/p>\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"$202.90\/month is the base premium. Your costs for Part B may be higher if you were a high-income earner. See the IRMAA chart below to see your pricing for 2026.\"\n\t\tclass=\"elementor-repeater-item-c3fb836 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p><strong>$202.90\/month<\/strong> is the base premium. Your costs for Part B may be higher if you were a high-income earner. See the IRMAA chart below to see your pricing for 2026.<\/p>\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t<tr>\t<td data-order=\"Part B Penalty\"\n\t\tclass=\"elementor-repeater-item-ee7e762 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Part B Penalty<\/p>\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"10% for each year you should have signed up for Part B. This penalty is added on top of your regular base premium. Since premiums change every year, so does this penalty\u2026and it\u2019s lifelong!\"\n\t\tclass=\"elementor-repeater-item-5fdf613 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p><strong>10% for each year you should have signed up for Part B. <\/strong>This penalty is added on top of your regular base premium. Since premiums change every year, so does this penalty\u2026and it\u2019s lifelong!<\/p>\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t<tr>\t<td data-order=\"Part B Deductible\"\n\t\tclass=\"elementor-repeater-item-5a1ca8d ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Part B Deductible<\/p>\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"$283, as a one-time payment per year.\"\n\t\tclass=\"elementor-repeater-item-91fd4f6 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p><strong>$283, <\/strong>as a one-time payment per year.<\/p>\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t<tr>\t<td data-order=\"Coinsurance\"\n\t\tclass=\"elementor-repeater-item-a3cbfff ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Coinsurance<\/p>\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"20% for most of your Medicare-covered, Part B services after the deductible has been paid.\"\n\t\tclass=\"elementor-repeater-item-a744765 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>20% for most of your Medicare-covered, Part B services after the deductible has been paid.<\/p>\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t <\/tbody><\/table><\/div>\n\n\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a579c1 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"6a579c1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3cbab97 e-con-full smart-sticky-box e-flex e-con e-child\" data-id=\"3cbab97\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb43c94 elementor-widget elementor-widget-image\" data-id=\"cb43c94\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/06\/part-c-1024x683.webp\" class=\"attachment-large size-large wp-image-2688\" alt=\"\" srcset=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/06\/part-c-1024x683.webp 1024w, https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/06\/part-c-300x200.webp 300w, https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/06\/part-c-768x512.webp 768w, https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/06\/part-c.webp 1536w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d876622 e-con-full e-flex e-con e-child\" data-id=\"d876622\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29cb03d elementor-widget elementor-widget-heading\" data-id=\"29cb03d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Part C<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f95284 elementor-widget elementor-widget-heading\" data-id=\"3f95284\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Medicare Advantage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b01fe18 e-con-full e-flex e-con e-child\" data-id=\"b01fe18\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4dbc75b answer-faq elementor-widget elementor-widget-text-editor\" data-id=\"4dbc75b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Part C is Medicare Advantage, est 1997. This a not a part of Original Medicare, but encompasses coverage included in Parts A, B, and D. This is private insurance that we, as brokers, can help you sort through. There are many options that can fit your needs &#8211; There are even plans that may help pay for part of your Part B premium! To be enrolled in Medicare Advantage, you must also be enrolled in Parts A and B. Advantage plans must cover the same services that Original Medicare covers, either in the same way or better. <a href=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/medicare-advantage\/\">Learn more about Medicare Advantage<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b6eb5c0 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"b6eb5c0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-c8fe2a8 e-con-full smart-sticky-box e-flex e-con e-child\" data-id=\"c8fe2a8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-19cbecf elementor-widget elementor-widget-image\" data-id=\"19cbecf\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/06\/part-d-1024x683.webp\" class=\"attachment-large size-large wp-image-2687\" alt=\"\" srcset=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/06\/part-d-1024x683.webp 1024w, https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/06\/part-d-300x200.webp 300w, https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/06\/part-d-768x512.webp 768w, https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/06\/part-d.webp 1536w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-15cc0fe e-con-full e-flex e-con e-child\" data-id=\"15cc0fe\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f4114b elementor-widget elementor-widget-heading\" data-id=\"7f4114b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Part D<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-748220a elementor-widget elementor-widget-heading\" data-id=\"748220a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Prescription Drug Coverage <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9c0915d e-con-full e-flex e-con e-child\" data-id=\"9c0915d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-782c073 answer-faq elementor-widget elementor-widget-text-editor\" data-id=\"782c073\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Part D is for your prescription drug coverage. This is provided by private insurance companies to reduce the cost of prescription medications. This may be a separate policy or included in a Medicare Advantage policy w\/ Prescription Drug coverage, or MAPD. Low-income individuals may be <a href=\"https:\/\/www.scdhhs.gov\/\" target=\"_blank\" rel=\"noopener\">eligible for the Extra Help program<\/a>, or Low-Income Subsidy (LIS). This program helps people by reducing their prescription drug costs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5228b4b table-space-remove elementor-widget elementor-widget-elementskit-table\" data-id=\"5228b4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n<div class=\"ekit_table display  ekit_table_data_type-custom\"\n\tdata-settings=\"{&quot;fixedHeader&quot;:false,&quot;search&quot;:false,&quot;search_placeholder&quot;:&quot;&quot;,&quot;responsive&quot;:false,&quot;pagination&quot;:false,&quot;button&quot;:false,&quot;entries&quot;:false,&quot;info&quot;:false,&quot;info_text&quot;:&quot;&quot;,&quot;entries_text&quot;:&quot;&quot;,&quot;ordering&quot;:false,&quot;searchIcon&quot;:&quot;&quot;,&quot;item_per_page&quot;:10,&quot;nav_style&quot;:&quot;&quot;,&quot;prev_text&quot;:&quot;&quot;,&quot;next_text&quot;:&quot;&quot;,&quot;prev_arrow&quot;:&quot;&quot;,&quot;next_arrow&quot;:&quot;&quot;}\">\n\t<table id=\"ekit-table-container-5228b4b\" class=\"display dataTable\" style=\"width:100%\"><thead><tr>\t<th class=\"elementor-repeater-item-d9947a7\">\n\t\t<div\n\t\t\tclass=\"ekit_table_item_container  ekit-table-container- \">\n\t\t\tCost Category\t\t<\/div>\n\t<\/th>\n\t\t<th class=\"elementor-repeater-item-ca91030\">\n\t\t<div\n\t\t\tclass=\"ekit_table_item_container  ekit-table-container- \">\n\t\t\tDescription &amp; Amount\t\t<\/div>\n\t<\/th>\n\t <\/tr><\/thead><tbody><tr>\t<td data-order=\"Part D Premium\"\n\t\tclass=\"elementor-repeater-item-8d7bcac ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Part D Premium<\/p>\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Premiums vary based on which plan you pick. High-income earners may pay an increased premium. See the IRMAA chart below to see your pricing for 2026.\"\n\t\tclass=\"elementor-repeater-item-c3fb836 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p><strong>Premiums vary<\/strong> based on which plan you pick. High-income earners may pay an increased premium. See the IRMAA chart below to see your pricing for 2026.<\/p>\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t<tr>\t<td data-order=\"Part D Penalty\"\n\t\tclass=\"elementor-repeater-item-ee7e762 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Part D Penalty<\/p>\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"1% for each month that you should have been signed up for Part D. This penalty is added to your base premium\u2026and it\u2019s lifelong! You must not go without credible prescription coverage for longer than 63 days to avoid a penalty.\"\n\t\tclass=\"elementor-repeater-item-5fdf613 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p><strong>1% for each month that you should have been signed up for Part D. <\/strong>This penalty is added to your base premium\u2026and it\u2019s lifelong! You must not go without credible prescription coverage for longer than 63 days to avoid a penalty.<\/p>\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t<tr>\t<td data-order=\"Part D Deductible\/Maximum Out of Pocket\"\n\t\tclass=\"elementor-repeater-item-5a1ca8d ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Part D Deductible\/Maximum Out of Pocket<\/p>\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"$615 is the max deductible for 2026. Plans may vary. The Maximum Out of Pocket (MOOP) for 2026 is $2,100. After you pay the MOOP, your out-of-pocket costs for the remainder of the year are $0.\"\n\t\tclass=\"elementor-repeater-item-91fd4f6 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p><strong>$615 <\/strong>is the max deductible for 2026. Plans may vary. The Maximum Out of Pocket (MOOP) for 2026 is $2,100. After you pay the MOOP, your out-of-pocket costs for the remainder of the year are $0.<\/p>\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t<tr>\t<td data-order=\"Coinsurance\"\n\t\tclass=\"elementor-repeater-item-a3cbfff ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Coinsurance<\/p>\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"After your deductible, your plan begins to help pay for your prescriptions. Most plans offer a copayment for drug tiers 1 and 2, as these tiers are deductible exempt. Tiers 3-5 are usually offered at a coinsurance. Costs are dependent on which medicines you take.\"\n\t\tclass=\"elementor-repeater-item-a744765 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>After your deductible, your plan begins to help pay for your prescriptions. Most plans offer a copayment for drug tiers 1 and 2, as these tiers are deductible exempt. Tiers 3-5 are usually offered at a coinsurance. Costs are dependent on which medicines you take.<\/p>\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t <\/tbody><\/table><\/div>\n\n\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e08eea7 e-flex e-con-boxed e-con e-parent\" data-id=\"e08eea7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-344ac11 e-con-full e-flex e-con e-child\" data-id=\"344ac11\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2ffe0e5 e-con-full e-flex e-con e-child\" data-id=\"2ffe0e5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b0d88a elementor-widget elementor-widget-heading\" data-id=\"4b0d88a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Income-Related Monthly Adjustment Amount <span class=\"color-overview\">(IRMAA)<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3ea5f4 answer-faq elementor-widget elementor-widget-text-editor\" data-id=\"c3ea5f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>This chart demonstrates your projected monthly premium for high-income earners for Part B and Part D.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ea1f534 e-con-full e-flex e-con e-child\" data-id=\"ea1f534\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-03626dd smart-sticky-box medicare-img elementor-widget elementor-widget-custom_lightbox_image\" data-id=\"03626dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"custom_lightbox_image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"custom-lightbox-wrapper no-water-effect  effect-zoom\"><a href=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/06\/irmaa-chart.avif\" class=\"custom-image-link-wrapper\" data-fancybox=\"irma-chart\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"irma-chart\" style=\"display:block; position:relative;\"><img decoding=\"async\" src=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/06\/irmaa-chart.avif\" class=\"custom-lightbox-img\" alt=\"\" \/><\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-165e5a0 e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"165e5a0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9c4d3d8 e-con-full e-flex e-con e-child\" data-id=\"9c4d3d8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-353775e e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"353775e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:200,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15eee5c elementor-widget elementor-widget-heading\" data-id=\"15eee5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is not covered by <span class=\"color-overview\">Medicare<\/span>?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c916260 elementor-widget elementor-widget-text-editor\" data-id=\"c916260\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Medicare does not cover all services. The following list are some items not covered by Original Medicare:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-932fc4a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"932fc4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Ancillary services, such as dental, vision, and hearing (medically required care may be Medicare approved).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Podiatry or routine foot care<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Lont Term Care<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Custodial Care<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Cosmetic surgery, or services that are not medically necessary<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Chiropractic services<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Acupuncture<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Care outside of the USA<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-200a557 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"200a557\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cd94d7 answer-faq elementor-widget elementor-widget-text-editor\" data-id=\"5cd94d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>To return to our Medicare checklist, <a href=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/new-to-medicare\/\">click here<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9a00553 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"9a00553\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:300,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-9c37d4e e-con-full e-flex e-con e-child\" data-id=\"9c37d4e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_offset&quot;:80,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fc741f6 elementor-widget elementor-widget-heading\" data-id=\"fc741f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">We're Here to <span class=\"color-overview\">Help You!<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f6210f elementor-widget elementor-widget-text-editor\" data-id=\"7f6210f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Have questions or need personalized guidance? Fill out the form and one of our experts will get back to you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53ef398 extra-space-remove elementor-widget elementor-widget-jkit_contact_form_7\" data-id=\"53ef398\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"jkit_contact_form_7.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-contact-form-7 jeg_module___6a88cd9386295\" >\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2087-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"2087\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/seniorbenefits\/wp-json\/wp\/v2\/pages\/2613#wpcf7-f2087-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"2087\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2087-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"sbc-quote-form\">\n\t<div class=\"form-row two-col\">\n\t\t<div class=\"form-group\">\n\t\t\t<p><label>First Name *<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"first-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"First Name\" value=\"\" type=\"text\" name=\"first-name\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t\t<div class=\"form-group\">\n\t\t\t<p><label>Last Name *<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"last-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Last Name\" value=\"\" type=\"text\" name=\"last-name\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"form-row two-col\">\n\t\t<div class=\"form-group\">\n\t\t\t<p><label>Phone Number *<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone Number\" value=\"\" type=\"tel\" name=\"phone\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t\t<div class=\"form-group\">\n\t\t\t<p><label>Email Address *<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email Address\" value=\"\" type=\"email\" name=\"email\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"form-row\">\n\t\t<div class=\"form-group\">\n\t\t\t<p><label>How can we help you?<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"textarea-301\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" placeholder=\"How can we help you?\" name=\"textarea-301\"><\/textarea><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"form-submit\">\n\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Get in Touch\" \/>\n\t\t<\/p>\n\t<\/div>\n<\/div><input type='hidden' class='wpcf7-pum' value='{\"closepopup\":false,\"closedelay\":0,\"openpopup\":false,\"openpopup_id\":0}' \/><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Getting Started with Medicare Simple steps to understand your coverage and make confident healthcare choices. Understand your options Know your costs Get the coverage you deserve KeyPoints If you are not drawing your Social Security benefits before turning 65, you must self-enroll into Medicare. 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