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MedicareHandbook

Medicare Handbook (Official “Medicare & You”)

“Medicare & You” is the official handbook published each year by the Centers for Medicare & Medicaid Services. It explains what Medicare covers, how the parts fit together, and your rights. We link to the official copy so you always get the current, unaltered edition — and we are happy to walk through it with you.

Free to download. No email address, no form, no follow-up unless you ask for one. Last reviewed September 4, 2026. Prepared by Centers for Medicare & Medicaid Services (CMS).

Who this is for

  • People approaching Medicare eligibility
  • People already enrolled who want to review their coverage
  • Family members and caregivers helping someone with Medicare

What's included

  • What Medicare Part A, Part B, Part C and Part D cover
  • How Original Medicare compares with Medicare Advantage
  • Prescription drug coverage basics
  • Your Medicare rights and protections
  • How to get help and where to ask questions

How to get the handbook

The handbook is published and maintained by Medicare, not by our agency. Downloading it directly from Medicare.gov guarantees you are reading the current edition, exactly as published, with nothing added or removed.

  • Open the official handbook page on Medicare.gov using the link on this page.
  • Choose the current year's edition in your preferred language or format, including large print and audio.
  • Call 1-800-MEDICARE (1-800-633-4227) if you would rather have a printed copy mailed to you.

How we can help you use it

The handbook is thorough, and that can make it hard to know which pages actually apply to you. We can sit with you — by phone, video or in person in Tampa Bay — and point you to the sections that matter for your situation, then answer questions in plain language.

  • Understanding which parts of Medicare you already have
  • Understanding the difference between Original Medicare with a supplement and Medicare Advantage
  • Understanding how prescription coverage works alongside your other coverage
  • Knowing what questions to ask before you make a change

This resource is general educational information only. It is not insurance, financial, tax, medical or legal advice, and it does not recommend a specific plan or company. Your own situation may be different — talk with a licensed advisor, and confirm details with the plan or with the official government source before you decide.

This page links to the official publication. We do not alter, abridge or re-publish government material.

We do not offer every available plan in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Source: Centers for Medicare & Medicaid Services (CMS). Last reviewed September 4, 2026.

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Want help applying this to your situation?

A licensed advisor can walk through it with you, at no cost and with no obligation.

Prefer to talk now? Call (813) 360-1884. Consultations are free and carry no obligation.