Medicare In Lawrence, Kansas
The starting point for understanding your Medicare options. Independent guidance from a licensed Kansas agent who represents major carriers in the state.
(785) 843-0288The Four Parts Of Medicare
Medicare is divided into four parts, understanding what each does, and how they fit together, is the foundation for every other decision.
Hospital Insurance
Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care.
Premium-free for most people who paid Medicare taxes for at least 10 years.
Medical Insurance
Covers doctor visits, outpatient care, preventive services, and durable medical equipment.
Standard 2026 premium: $202.90/month. Higher incomes pay more (IRMAA).
Medicare Advantage
An alternative to Original Medicare offered by private insurers approved by CMS.
Bundles Parts A, B, and usually D into one plan with networks and often extras.
Prescription Drug Plan
Covers prescription medications. Stand-alone with Original Medicare or built into most Medicare Advantage plans.
2026: $2,000 annual out-of-pocket cap on prescriptions.
Three Paths Forward
Once you understand the parts, you choose how to combine them. There are three common paths.
Original Medicare Alone
Original Medicare + Medigap + Part D
Medicare Advantage (Part C)
Which Path Fits Which Situation
The Four Pillar Medicare Review
We work through your Doctors, Prescriptions, Budget, and Lifestyle, in that order, before recommending any path.
(785) 843-0288Law
Lawrence Provider Reality
Understanding which providers accept which Medicare options helps you avoid surprises.
| Provider | Notes |
|---|---|
| LMH Health | Accepts Original Medicare broadly. Medicare Advantage participation varies by plan, verify before enrolling. |
| KU Health System | Major academic medical center. Original Medicare accepted. MA network status varies plan-by-plan and changes year-to-year. |
| Lawrence specialists | Most accept Original Medicare. MA networks should be confirmed for each specialist you currently see. |
| Travel and out-of-area care | Original Medicare works anywhere in the US that accepts Medicare. MA plans are typically network-based and geographic. |
Frequently Asked Questions
What's the difference between Original Medicare and Medicare Advantage?
Do I need Medigap if I have Medicare Advantage?
How much does Medicare cost in 2026?
Can I keep my Lawrence doctors with any Medicare plan?
When can I enroll in Medicare?
Does Adam charge for consultations?
Talk With Adam. No Pressure, No Cost.
I grew up in Lawrence, graduated from Free State High School, and earned a BS in Finance from the University of Kansas. Most of the people I help are turning 65 or reviewing their current Medicare coverage.
No pressure, no sales pitch. Just clear answers when you're ready to talk.
(785) 843-0288Thank you
Adam will call within one business day. No obligation. No pressure.
Or call now: (785) 843-0288