CareWise Insurance

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Full Part A Premium $518 $565
Partial Part A Premium $285 $311
Inpatient Hospital Deductible $1,676 $1,736
Daily Coinsurance for Days 61 to 90 $419 $434
Daily Coinsurance for Lifetime Reserve Days $838 $868
Skilled Nursing Facility Coinsurance $209.50 $217

Part B Costs 2025 2026

Standard Part B Premium $185 $202.90
Part B Deductible $257 $283
Immunosuppressive Drug Premium $110.40 $121.60

Medicare can feel like alphabet soup — but choosing the right path doesn’t have to be overwhelming. Medicare Supplement (Medigap) plans help pay the gaps Original Medicare doesn’t cover, giving you nationwide flexibility and predictable costs. Medicare Advantage (Part C) bundles benefits like vision, dental, and hearing, often with low premiums — but usually within provider networks. Neither is “better” — it’s about what fits your lifestyle, health needs, and travel habits. The goal is simple: confidence in your healthcare choices so you can enjoy life instead of stressing about coverage. 🌿💙

No one loves talking about end-of-life costs, but here’s the truth: the people we leave behind deserve peace, not bills. Final Expense Insurance is a small, thoughtful way to remove that burden. It’s designed to cover funeral costs, medical bills, and anything else that pops up during a difficult time. Premiums stay affordable, coverage stays steady, and approval is usually easy — even for those with health challenges. The greatest gift you can give your family is comfort when they need it the most. 🌷

Imagine protecting your family and building long-term wealth in the same strategy. That’s the beauty of an Indexed Universal Life policy. It’s not just life insurance — it’s a financial tool that grows with you. Your cash value can accumulate based on market indexes without ever risking your principal. That means growth potential with built-in protection. Whether you’re thinking about retirement, education planning, or leaving a legacy, an IUL offers flexibility most people don’t realize they even have. Smart planning doesn’t have to be complicated — it just has to be intentional. 📈💡