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By The RX Index Editorial Team · Last verified: May 28, 2026 · Sources: CMS, Medicare.gov, FDA, KFF

The RX Index is a pricing intelligence and comparison resource for GLP-1 telehealth providers. This page is information, not medical, insurance, or financial advice. To reach Medicare directly, call 1-800-MEDICARE (1-800-633-4227).

Medicare GLP-1 Bridge True Out-of-Pocket Costs: What the $50 Copay Really Means

Disclosure: Some links on this page are affiliate links. If you purchase through these links, we may earn a commission at no extra cost to you.

Here are the Medicare GLP-1 Bridge true out-of-pocket costs, plain and simple. If you qualify, the medicine costs $50 a month. That’s about $300 from July through December 2026, $600 for all of 2027, and $900 across the full 18 months if you fill it every month. That price covers Wegovy, the Zepbound KwikPen, or Foundayo when they’re prescribed for weight loss.

The catch — and it’s the reason you’re really here.

That $50 does not count toward your Part D true out-of-pocket total (TrOOP) and does not move you one dollar closer to the $2,100 covered-drug out-of-pocket cap. The headline is real. It just doesn’t behave like normal Medicare drug coverage. Below we show you exactly what you’ll pay, what the $50 quietly leaves out, and how to tell — in about a minute — whether you belong in the Bridge lane, the regular Part D lane, or the cash-pay lane.

Which GLP-1 cost lane are you actually in?

There isn’t one “Medicare GLP-1 cost.” There are three lanes, and your real price depends on which one you’re in. The biggest mistake people make is borrowing a rule from one lane and applying it to another. Find your row first.

If this sounds like you	Your likely lane	What you pay	Counts toward $2,100 cap?	Your next move
GLP-1 for weight loss, and you meet the Bridge rules	Medicare GLP-1 Bridge	$50/mo (~$300 in 2026, $600 in 2027)	No	Ask your prescriber to start a Bridge request
GLP-1 for type 2 diabetes, established CVD with obesity/overweight (Wegovy), or moderate-to-severe OSA in adults with obesity (Zepbound)	Regular Part D	Plan deductible + copay until $2,100; then $0	Yes	Ask your plan about coverage and a formulary exception
You don't qualify and have no covered diagnosis	Cash pay	Direct-pay prices — varies by drug and dose	No	Compare current direct-pay prices before you commit
It's before July 1, 2026 or after December 31, 2027	Outside Bridge window	Varies: cash-pay or covered Part D drug costs	Depends on lane	Check whether you have a regular Part D-covered diagnosis
You use compounded semaglutide or tirzepatide	Not the Bridge	Varies by provider	No	Don't confuse compounded with FDA-approved Bridge drugs

Sources: CMS Medicare GLP-1 Bridge program page and FAQ; Medicare.gov (2026 Part D $2,100 covered-drug out-of-pocket cap); FDA approval letters for Wegovy and Zepbound. Cost figures are estimates, not a quote.

Check my GLP-1 cost path →

Answer a few quick questions about your drug, diagnosis, and plan — we'll tell you the single best next step. Free, about 60 seconds, no sign-up.

What we actually verified for this page

We don’t repeat headlines and hope they’re right. Here’s what we confirmed against primary sources as of May 28, 2026:

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The dates: The Bridge runs July 1, 2026 through December 31, 2027, after CMS extended it because the planned long-term Medicare Part D program (BALANCE) is not moving forward in 2027.(CMS Medicare GLP-1 Bridge FAQ; KFF program brief)

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The price: A flat $50 copay per 30-day fill, for all formulations of Wegovy and Foundayo, plus the Zepbound KwikPen, when used for weight reduction and maintenance.(CMS)

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The net price behind the scenes: Participating manufacturers provide eligible Bridge drugs at a $245 net price per monthly supply, and that $245 does not count toward gross covered prescription drug costs.(CMS)

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The catch: The $50 copay does not count toward Part D TrOOP or the $2,100 covered-drug out-of-pocket cap, and the $50 stays the same regardless of Part D phase.(CMS)

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Extra Help doesn't lower it: The low-income subsidy does not reduce the $50.(CMS)

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No stacking: Coupons and discount programs may not be applied to Bridge claims.(CMS)

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Nationwide: CMS says the Bridge is available in all states and territories.(CMS)

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Central processor: Humana, as the LI NET administrator, serves as the central processor for Bridge claims.(CMS)

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Bridge BIN/PCN: The Bridge processes under 028918 / MEDDGLP1BR.(CMS)

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Manufacturer terms: Wegovy and Zepbound savings-card programs are commercial-insurance offers that exclude people using government insurance.(NovoCare; Zepbound.com)

What are the Medicare GLP-1 Bridge true out-of-pocket costs in 2026?

If you qualify and fill your prescription every month, you pay $50 per fill — about $300 from July to December 2026, $600 for the full year of 2027, and $900 total across all 18 months. There’s no deductible to meet first and no percentage to figure out. It’s a flat $50, same every month, no matter the drug or the dose.

Time period	Fills	What you pay
July–December 2026	6	$300
All of 2027	12	$600
Full Bridge (18 months)	18	$900

To put that in perspective: CMS says participating manufacturers provide eligible Bridge drugs at a $245 net price per monthly supply, and that $245 does not count toward gross covered prescription drug costs. Direct cash-pay prices for FDA-approved GLP-1s commonly run hundreds of dollars per month, and list prices can top $1,000. That’s why $50 is a genuinely strong price if you qualify — even though there’s a catch worth understanding before you act.

What the $50 does not include

✗Your Medicare Part D or Medicare Advantage monthly premium
✗Doctor visits to get and renew the prescription
✗Any lab work your doctor orders
✗Your other prescriptions
✗A backup cash-pay supply if you're denied or stuck waiting

Budget the full $50 every month, and treat the rest as separate.

Does the $50 Bridge copay count toward TrOOP or your Part D cap?

No — and this is the part that matters most.

The $50 you pay under the Bridge does not count toward your Part D TrOOP — that’s the running total Medicare keeps of what you’ve paid out of pocket for covered Part D drugs — and it does not move you toward the $2,100 covered-drug out-of-pocket cap. The Bridge legally sits outside the regular Part D benefit. Your Bridge dollars go in a separate bucket that the cap never sees.

In 2026, once your out-of-pocket spending on covered Part D drugs reaches $2,100, you pay $0 for those covered drugs the rest of the year. If Bridge spending counted, a lot of people would hit that cap fast and get their other medicines free sooner. But it doesn’t count. You can pay your $50 for the GLP-1 and still owe up to the full $2,100 on everything else before those drugs go to zero. The two don’t talk to each other.

One more thing people assume and shouldn’t: Extra Help (the low-income subsidy) does not lower the $50. And you can’t stack a manufacturer coupon on top to shave it down further. Fifty dollars is both the floor and the ceiling for that fill.

The honest part most pages skip

We make money when readers sign up with telehealth providers we link to. So you should hear this from us, even though it earns us nothing: the Bridge gives you zero credit toward your Part D cap, and it’s not something we earn a commission on. We’re still telling you to use it if you qualify.

Why? Because the math is on your side. $50 a month is a small fraction of what these drugs cost any other way. The “$0 cap credit” sounds like a flaw, and for someone with a pile of other expensive prescriptions it’s worth knowing. But for almost everyone who’s eligible, $50 still wins by a mile. The catch is real. It just isn’t a dealbreaker.

Maria

qualifies for Bridge Wegovy starting in July 2026. By New Year's, she's paid $300 in copays. Her TrOOP credit from those payments? Still $0. But she's spent $300 on a drug that would've cost her thousands. She's thrilled, and a little annoyed nobody explained the cap part up front.

David

uses a GLP-1 for type 2 diabetes. His drug runs through regular Part D, so his costs do count toward his $2,100 cap — different lane, different rules.

Map my Medicare GLP-1 costs →

See your estimated Bridge copays and exactly what does (and doesn't) count toward your cap.

So what does count toward your $2,100 Part D cap in 2026?

Covered Part D prescription drugs count toward your $2,100 cap. Bridge copays and your plan premiums do not. Once your covered drug spending hits $2,100, you pay nothing more for those drugs the rest of the year.

Cost	Counts toward your $2,100 cap?
Covered Part D drugs (your plan's formulary)	✅ Yes
A GLP-1 covered under Part D for diabetes, established CVD with obesity/overweight (Wegovy), or moderate-to-severe OSA in adults with obesity (Zepbound)	✅ Yes, if your plan covers it
Bridge GLP-1 copays ($50)	❌ No
Your monthly plan premium	❌ No
Cash-pay drugs bought outside insurance	❌ No

If paying your covered drugs gets tight month to month, ask your plan about the Medicare Prescription Payment Plan — a free option that lets you spread your covered drug costs into smooth monthly bills across the year. One honest note: Medicare.gov is clear that this plan spreads your costs — it does not lower the total you owe. It’s a cash-flow tool, not a discount.

This matters most if you take other pricey medicines. You could be paying $50 for your GLP-1 and steadily working toward your $2,100 cap on a separate set of drugs at the same time. Two buckets, running side by side.

Bridge vs. regular Part D vs. cash pay — which lane are you really in?

Three lanes, three sets of rules. The Bridge is for weight-loss use if you’re eligible. Regular Part D is for GLP-1s covered for a medical diagnosis. Cash pay is for everyone else. Get this right and the rest of the page falls into place.

Lane 1 — The Medicare GLP-1 Bridge

For eligible people using Wegovy, the Zepbound KwikPen, or Foundayo for weight loss. Flat $50. Doesn't count toward your cap. Runs through December 2027.

Lane 2 — Regular Part D

·If your GLP-1 is for a use Part D already covers, you use your plan — not the Bridge. CMS says if a drug is coverable for another use, you go through your plan.
·Wegovy: approved to reduce cardiovascular death, heart attack, and stroke in adults with established CVD and obesity or overweight (FDA-approved March 2024).
·Zepbound: approved for moderate-to-severe obstructive sleep apnea in adults with obesity, alongside a reduced-calorie diet (FDA-approved December 2024).
·Plus the usual diabetes GLP-1s (Ozempic, Mounjaro, Rybelsus). In this lane your cost counts toward the cap.

Lane 3 — Cash pay

For people who don't qualify, get denied, are waiting for July 2026, or simply choose to pay outside Medicare. Direct-pay prices vary by drug, dose, and current manufacturer offers — and none of those dollars count toward any Medicare cap.

Get my Medicare GLP-1 action plan →

We'll point you to the exact next question to ask your prescriber, pharmacist, or plan — not a coverage decision, but the shortcut to the right one.

Who qualifies for the $50 Bridge?

To get the $50 price, you need an eligible Medicare Part D plan, a prescription with prior authorization, and you have to meet one of three medical pathways CMS set. Prior authorization just means your doctor sends a request for approval before the pharmacy can fill it.

You qualify if you’re enrolled in a standalone Part D drug plan (a “PDP”) or a Medicare Advantage plan that includes drug coverage (an “MA-PD”), and you meet one of these three:

Path 1

BMI of 35 or higher

On its own, no other condition needed.

Path 2

BMI of 30 or higher

Plus heart failure with preserved ejection fraction (HFpEF), uncontrolled high blood pressure (still high while on two or more medicines), or chronic kidney disease at stage 3a or worse.

Path 3

BMI of 27 or higher

Plus prediabetes, a past heart attack, a past stroke, or symptomatic peripheral artery disease (narrowed arteries in the limbs).

Eligibility is judged at the point you first started GLP-1 therapy, not just the day the request is filed. So if you’ve already been on one of these drugs, your doctor may need your records from when you began. That’s good news for people already in treatment — you’re not automatically locked out.

We keep the full plan-type list and fine print on a separate page so this one stays focused on cost. Check the full Medicare GLP-1 Bridge eligibility rules →

Which GLP-1 drugs the Bridge covers — and which it doesn’t

The Bridge covers Foundayo, Wegovy (injection and tablets), and the Zepbound KwikPen — for weight loss. It does not cover Zepbound vials or single-dose pens, and it does not cover Ozempic or Mounjaro for weight loss. The formulation matters more than people expect.

Drug / form	Covered by Bridge for weight loss?	Could regular Part D cover it?	Note
Foundayo	✅ Yes	Not regular Part D for weight-loss-only use under current rules	FDA-approved branded weight-management option
Wegovy injection	✅ Yes	Yes, for cardiovascular-risk use in adults with established CVD and obesity/overweight	Don't mix Bridge and Part D rules
Wegovy tablets	✅ Yes	Depends on diagnosis and plan formulary	First FDA-approved GLP-1 pill for weight management
Zepbound KwikPen	✅ Yes	Yes, for FDA-approved moderate-to-severe OSA in adults with obesity, if the plan covers it	The KwikPen is in; other Zepbound forms aren't
Zepbound vial / single-dose pen	❌ No (Bridge)	Regular Part D may be possible for OSA if the plan covers it	Not on the Bridge list
Ozempic	❌ No (weight loss)	Yes, for type 2 diabetes	Not a Bridge weight-loss drug
Mounjaro	❌ No (weight loss)	Yes, for type 2 diabetes	Not a Bridge weight-loss drug
Compounded semaglutide / tirzepatide	❌ No	No	Not the FDA-approved branded drugs the Bridge covers

Compounded GLP-1s are not the same as the FDA-approved branded medicines on the Bridge list, and we won’t pretend they are. Compounded versions are made by pharmacies and are not FDA-approved as finished products, which means they have not gone through FDA premarket review for safety, effectiveness, or quality. They live entirely outside the Bridge. If a provider blurs that line, that’s a red flag.

Can Extra Help, coupons, or savings cards lower the $50?

No. Extra Help doesn’t reduce the Bridge copay, coupons can’t be stacked on it, and the manufacturer “savings cards” you see advertised generally exclude people using government insurance.

Discount	Lowers the Bridge $50?	Counts toward cap?	Applies to people on Medicare?
Bridge $50 itself	n/a (it is the price)	No	Yes, if you qualify
Extra Help / low-income subsidy	No	Helps with regular Part D drugs	Yes, for regular Part D
Medicare Prescription Payment Plan	No (spreads, doesn't lower)	Covered drugs paid through it can count	Yes, for covered Part D drugs
Manufacturer savings card (e.g., $25 Wegovy/Zepbound)	No	n/a	No — commercial-insurance offers exclude government plans
Cash-pay direct-pay programs (NovoCare, LillyDirect)	No	No	Anyone — but you pay full direct-pay price

When you’re at the pharmacy counter and the price looks wrong, say exactly this:

“Can you confirm this is being processed through the Medicare GLP-1 Bridge — not my regular Part D formulary, and not a cash-pay coupon?”

That one question clears up most surprise bills before you pay them.

What if your GLP-1 is for diabetes, heart disease, or sleep apnea?

If your GLP-1 is prescribed for a condition Part D already covers, you use regular Part D — not the Bridge — and your costs follow your plan’s normal rules. This is Lane 2, and it’s actually the better deal for some people because it counts toward your cap.

The two non-diabetes uses to know, both FDA-approved:

Zepbound

Approved for moderate-to-severe obstructive sleep apnea in adults with obesity, alongside a reduced-calorie diet and more activity.

FDA, December 2024

Wegovy

Approved to reduce the risk of cardiovascular death, heart attack, and stroke in adults with established cardiovascular disease who are overweight or obese.

FDA, March 2024

If either fits you — or you take a diabetes GLP-1 like Ozempic or Mounjaro — your drug may already be covered under your plan. Yes, the monthly cost can be higher than $50 early in the year. But it counts toward your $2,100 cap, can drop to $0 once you hit that cap, and can be smoothed into monthly payments. For someone with several expensive prescriptions, this lane can win on the yearly total even when the sticker looks bigger.

When you call your plan, ask exactly this:

“Is this GLP-1 covered for my diagnosis under my plan? If it’s not on the formulary, how do I request a formulary exception?”

A “formulary” is your plan’s list of covered drugs. An “exception” is the formal request to cover one that isn’t on it.

Can you pay cash and submit for Medicare GLP-1 Bridge reimbursement?

No. CMS says paper claims and direct member reimbursement are not accepted for Bridge claims. Don’t pay cash up front planning to send Medicare a receipt later — that’s not how this program works. If you’re tempted to pay cash because the pharmacy is stuck, the right move is to figure out which lane the prescription should be running in, fix the lane, and then run it correctly.

What if you’re denied, or the pharmacy can’t run the claim?

A denial or a stuck claim can be a lane problem — not proof that the Bridge is unavailable. Start by confirming the drug, the diagnosis, and that the pharmacy is using the Bridge’s own processing path.

CMS says Humana, as the LI NET administrator, serves as the central processor for Bridge claims, and the Bridge processes under BIN/PCN 028918 / MEDDGLP1BR. CMS also says the prescriber does not need to be enrolled in Medicare, but must not be on the Medicare Preclusion List.

The print-and-bring Bridge claim checklist

What drug and exact form is on the prescription? (Zepbound KwikPen is covered; the vial isn't.)What diagnosis is attached — weight loss, or something like diabetes or sleep apnea? (That decides Bridge vs. Part D.)Is this being run as a Bridge request or a regular Part D request?Is the pharmacy processing under the Bridge BIN/PCN: 028918 / MEDDGLP1BR?Is your prescriber clear of the Medicare Preclusion List?If denied: is the right next step a Bridge correction, a Part D appeal, or a cash-pay comparison?

The first two boxes are the fastest to check: exact form and diagnosis.

Is the Medicare GLP-1 Bridge available in my state?

Yes. CMS says the Medicare GLP-1 Bridge is nationwide and available in all states and territories. State-level rules don’t change the $50 price or the eligibility pathways. If you’re enrolled in an eligible Part D plan and you meet the clinical criteria, your zip code doesn’t take the Bridge away from you.

Already taking Wegovy, Zepbound, Foundayo, Ozempic, or a compounded GLP-1?

Your current medicine doesn’t decide your Bridge eligibility by itself. What matters is the drug, the exact form, why it’s prescribed, your plan type, and whether you met the rules when you started.

→

Already on Wegovy? Could be Bridge (for weight loss) or regular Part D (for cardiovascular-risk use). Depends on your diagnosis.

→

Already on Zepbound? Form matters. The KwikPen can use the Bridge; vials and single-dose pens can't.

→

Already on Foundayo? Bridge-eligible if your use and criteria match.

→

Already on Ozempic or Mounjaro? These aren't Bridge weight-loss drugs. For you it's a Part D / diabetes question.

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Already on a compounded GLP-1? That's not the Bridge. Talk to your prescriber about whether an FDA-approved option fits, and don't let anyone tell you compounded counts as Bridge coverage.

Is the Bridge cheaper than paying cash?

For eligible people, yes — the $50 Bridge beats every cash-pay route, full stop. Cash pay only makes sense if you don’t qualify, get denied, are waiting for July 2026, or choose not to use Medicare for the medicine. And remember, none of those cash dollars count toward your Part D cap.

Here’s what the direct-pay landscape looks like as of May 28, 2026. These are manufacturer-stated prices; offers are time-limited and conditions apply, so confirm the current number on the manufacturer’s site before you plan around it.

Drug / cash route	Direct-pay price (verify before relying on it)
Wegovy injection (NovoCare)	Introductory offer ($199/mo for the two lowest doses for the first two months for new self-pay patients) plus an ongoing $349/mo price for most doses; higher Wegovy doses priced separately.
Wegovy pill (NovoCare)	Time-limited promotional pricing around $149/mo for lower doses, with higher doses priced separately when the promotion ends.
Zepbound single-dose vial (LillyDirect)	$299/mo for the 2.5 mg starter; $399/mo for 5 mg; higher-dose offer pricing as low as $449/mo when refill conditions are met, with regular higher-dose prices that can run higher.

Stack any of those against $50, and the Bridge wins easily for anyone eligible.

Cash-pay option — not the Medicare GLP-1 Bridge

Affiliate link. For cash-pay readers who don’t qualify for the Bridge. If you qualify for the $50 Bridge, use the Bridge.

If you genuinely fall outside the Bridge and want an FDA-approved branded option through a telehealth service, Ro is one route worth knowing. As of May 28, 2026, Ro Body (sponsored affiliate link, opens in a new tab) membership is listed at $39 the first month, then $149/month monthly, or as low as $74/month with annual prepay (medication cost is separate), and Ro’s current GLP-1 pricing flow lists FDA-approved options including Foundayo, Wegovy, and the Zepbound KwikPen. Ro also offers a free GLP-1 insurance coverage checker.

Important boundary: Ro states it currently cannot help coordinate GLP-1 medication coverage for government insurance plans. Ro is a cash-pay or non-government-insurance path — useful if you’re not using Medicare for the medicine, not a way to get the Bridge.

See current cash pricing and run Ro’s free coverage check →

Prefer to compare first? Sesame Care (sponsored affiliate link, opens in a new tab) also lists branded GLP-1 pricing.

What happens after the Bridge ends in December 2027?

The Bridge is scheduled to stop on December 31, 2027, and CMS is not moving forward with the BALANCE Model in Medicare Part D in 2027 because plan participation didn’t meet the threshold — so post-2027 coverage is still uncertain pending future CMS action. Don’t treat the $50 price as permanent.

July 1, 2026Medicare GLP-1 Bridge opens.

December 31, 2027Bridge scheduled to end.

2028 and beyondNo confirmed $50 successor; depends on future CMS decisions and plan participation.

Practically, if you rely on the $50 price, have a backup in mind for 2028: either a covered-diagnosis Part D path or cash pay. We re-check this monthly as the deadline gets closer and update the verification date at the top when it changes.

How we verified this

The RX Index is a pricing intelligence and comparison resource for GLP-1 telehealth providers. For a Medicare page, we went to the primary sources: CMS for the Bridge rules, Medicare.gov for Part D and payment-plan rules, the FDA for what each drug is approved to treat, KFF for program context, and the official manufacturer and provider pages for cash pricing and program terms.

We used Reddit and Medicare forums for one thing only — to understand how confused people feel about the “$50” headline — never as proof of any rule.

Last verified: May 28, 2026. What could change: prices, CMS rules, the covered-drug list, processing codes, plan treatment, FDA approvals, and provider policies. When they do, we update.

Frequently asked questions

Is the Medicare GLP-1 Bridge really just $50 a month?

Yes. CMS says eligible beneficiaries pay a flat $50 copay per 30-day fill, with no deductible or coinsurance — but only if you, your drug, your use, and your prior authorization all meet the Bridge rules.

Does the $50 copay count toward TrOOP or my Part D cap?

No. The Bridge runs outside the regular Part D benefit, so the $50 does not count toward your Part D TrOOP or move you toward the 2026 $2,100 covered-drug out-of-pocket cap. Extra Help does not lower it.

Can I pay cash and submit for reimbursement?

No. CMS says paper claims and direct member reimbursement are not accepted for Bridge claims.

Is the Bridge available in every state?

Yes. CMS says the Medicare GLP-1 Bridge is nationwide and available in all states and territories.

What will a GLP-1 cost me on Medicare if I don't qualify for the Bridge?

If you have no covered diagnosis and don't meet a Bridge pathway, expect the manufacturer direct-pay price — typically a few hundred dollars a month depending on the drug and dose — which counts toward no Medicare cap. Verify current pricing before you plan around it.

Can I use a $25 manufacturer savings card on Medicare?

No. The Wegovy and Zepbound savings-card programs are commercial-insurance offers that exclude people using government insurance.

Is regular Part D ever cheaper than the $50 Bridge?

Per month, usually not. But if your GLP-1 is covered under Part D for a diagnosis like diabetes, that spending counts toward your $2,100 cap and can take your other drugs to $0 sooner — which can make the whole year cheaper if you take several pricey medicines.

Does the Bridge cover Ozempic or Mounjaro for weight loss?

No. The current Bridge list is Foundayo, Wegovy (injection and tablets), and the Zepbound KwikPen, for weight loss. Ozempic and Mounjaro are diabetes drugs in this context.

Does the Bridge cover compounded semaglutide or tirzepatide?

No. Compounded GLP-1s are not the FDA-approved branded drugs the Bridge covers and should not be presented as the same thing.

Can a telehealth provider like Ro submit my Bridge prior authorization?

Your Bridge prior authorization has to be submitted by a medical provider to the CMS central processor. Don't assume any telehealth platform can process Bridge PA unless it confirms that directly. Ro currently states it cannot help coordinate GLP-1 medication coverage for government insurance plans.

What happens to the price after December 2027?

The Bridge is set to end then, and CMS is not moving forward with the BALANCE Model in Medicare Part D in 2027, so post-2027 coverage is uncertain pending future CMS action. Plan for a possible return to covered-diagnosis Part D or cash pay.

Coverage, eligibility, and price all hinge on your exact diagnosis, plan, and weight history — and the difference between lanes can be hundreds of dollars a month. Let us sort it for you.

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Disclosure: The RX Index is a pricing intelligence and comparison resource for GLP-1 telehealth providers. Some links on this page are affiliate links, meaning we may earn a commission if you sign up through them — at no extra cost to you. Commissions never change our analysis or which path we tell you to take. Read the full disclosure. This page is information only — not medical, insurance, or financial advice. To reach Medicare directly, call 1-800-MEDICARE (1-800-633-4227). Last verified: May 28, 2026.