What is custodial care?

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How are Medicare benefits changing for 2026?

Changes to 2025 Medicare coverage include a $2,000 cap on Part D out-of-pocket costs, small reductions in the average premium for Medicare Advantage and Part D plans, increases for Medicare Part B and Part A premiums and cost-sharing, and adjustments to income-related premium surcharges for Part B and Part D.

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What is the income-related monthly adjusted amount (IRMAA)?

For 2025, high-income beneficiaries – earning over $106,000 a year – pay an IRMAA surcharge that’s added to their Part B and Part D premiums and determined by income from their income tax returns two years prior.

By shopping with third-party insurance agencies, you may be contacted by a licensed insurance agent from an independent agency that is not connected with or endorsed by the federal Medicare program.

These agents/agencies may not offer every plan available in your area. Please contact Medicare.gov or 1-800-Medicare to get information on all options available.

Medicare as a general policy does not cover custodial care (activities of daily living like getting in and out of bed, using the toilet facilities, getting dressed, etc.).

custodial care