Medicare
JBJ Insurance helps individuals and families in Washington understand and enroll in Medicare. As an independent broker, I compare plans across carriers. I recommend what fits your situation, not whichever carrier pays me best.
The parts of Medicare
Part A (Hospital Insurance)
Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.
Part B (Medical Insurance)
Covers doctor visits, outpatient care, durable medical equipment, and preventive services like screenings and annual wellness visits.
Part C (Medicare Advantage)
A private plan that bundles Part A, Part B, and usually Part D into one policy. Run by Medicare-approved insurers; uses network restrictions in most cases.
Part D (Prescription Drug Coverage)
Covers prescription medications. Available as a stand-alone plan added to Original Medicare, or built into most Medicare Advantage plans.
When you can enroll
Medicare has specific enrollment windows. Most people sign up during their Initial Enrollment Period, the seven months around their 65th birthday.
What it costs in 2026
Everyone on Part B pays the federal premium, which is set annually and adjusted by income through IRMAA. Medicare Supplement and Medicare Advantage premiums are separate.
2026 Medicare costs & premiumsTalk to me
Have questions about Medicare? Schedule a Zoom or phone call. There is no cost to work with an independent broker, and the conversation comes with no obligation to enroll.