Medicare Calculators
Interactive tools that turn Medicare's fine print into numbers you can plan around.
Costs
IRMAA is calculated from your MAGI two years prior. Enter your filing status and MAGI to see the estimated 2026 Part B and Part D surcharges. Actual amounts are set by Social Security and can be appealed after a life-changing event.
Part B's late enrollment penalty adds 10% for each full 12 months you were eligible but didn't enroll, added to your premium for life. Part D's penalty adds roughly 1% of the national base premium per month you went without creditable coverage.
Your annual Medicare cost is the sum of your premiums (Part B, Part D, Medigap or MA), plus deductibles and copays up to the MOOP for MA plans, or unlimited 20% coinsurance under Original Medicare without a Medigap.
Enrollment
Your Initial Enrollment Period is 7 months long: the 3 months before your birth month, your birth month, and the 3 months after. Enrolling early means coverage starts the first of your birth month.
Different life events open different Medicare enrollment windows. Answer a few questions and this tool will point you to the right window and what you can do inside it.
Drugs
We're here for more than enrollment.We're here for the entire round.
Most Medicare websites help you choose a plan. Medicare Caddies stays with you after you've enrolled.
Whether you enroll online or with one of our licensed insurance agents, you'll always know who to reach out to when Medicare questions come up. When possible, you'll work with the same Medicare Caddie who already knows your situation — no call center, no starting over, no explaining your story to someone new every time.
- Understanding your plan
- Annual Election Period reviews
- Moving to another state
- Doctor network questions