22 tools, no account required
Tools to use before you choose Medicare coverage
Work through the dates, costs, doctors, prescriptions, and family paperwork before you talk to anyone about a plan.
Enrollment timing
Initial Enrollment Period Assessment ToolCalculate your 7-month Medicare eligibility window based on your 65th birthday. Find out exactly when your Initial Enrollment Period begins and ends.Special Enrollment Period Finder and CalculatorFind out if a life event qualifies you for Medicare enrollment outside standard windows. Check your Special Enrollment Period eligibility instantly.When Should I Sign Up for Medicare CalculatorFind the best time to enroll in Medicare based on your work status, other coverage, and age. Free interactive tool to help you avoid penalties.Medigap Open Enrollment CalculatorCheck if you're inside your one-time guaranteed issue window for Medigap. Calculate your 6-month open enrollment period based on Medicare Part B start date.
Costs and penalties
IRMAA Medicare CalculatorCalculate whether your income triggers higher Part B and Part D premiums with our IRMAA Medicare Calculator. Get instant results based on your income.Medicare Part A Premium CalculatorCalculate your monthly Medicare Part A premium based on your work history and quarters of coverage. Free tool to estimate your Part A costs.Medicare Part B Penalty CalculatorCalculate the exact 10%-per-year premium increase for delayed Medicare Part B enrollment. Find out how much extra you'll pay monthly if you missed your window.Medicare Part D Penalty CalculatorCalculate your Medicare Part D late enrollment penalty. Find out the 1%-per-month premium increase for gaps in creditable prescription drug coverage.Late Enrollment Penalty Checker ToolCalculate how much extra you'll pay monthly if you missed your Medicare enrollment window. Free penalty checker tool for Part B and Part D late enrollment.Medicare Prescription Payment Plan (M3P Calculator)Calculate how the Medicare Prescription Payment Plan (M3P) spreads your drug costs into monthly payments. Free M3P calculator for Part D beneficiaries.Medicare Savings Program CalculatorCheck if your income qualifies you for help paying Medicare premiums and cost-sharing through Medicare Savings Programs. Free eligibility calculator.Medicare Cost Scenario Planner ToolEstimate your annual Medicare spending across plan types at different health utilization levels. Review costs across scenarios before choosing coverage.
Coverage choices
Medicare Advantage vs Medicap Cost CalculatorCompare costs between Medicare Advantage and Original Medicare with Medigap. Calculate annual spending, premiums, and out-of-pocket expenses to find the best fiMedigap Fit AssessmentDetermine whether Medigap or Medicare Advantage is the better fit for you. Interactive assessment tool to guide your Medicare coverage decision.Comparing Employer Coverage vs MedicareDetermine whether your employer plan or Medicare is primary and when to transition. Compare coverage options and avoid enrollment penalties.HSA Compatibility CalculatorFind out how Medicare enrollment affects HSA eligibility and what steps to take before enrolling. Free interactive tool to assess HSA and Medicare compatibilityCOBRA vs Medicare Assessment ToolCompare COBRA and Medicare costs and avoid permanent penalties. Understand which coverage is primary and when to transition from employer coverage to Medicare.
Doctors, drugs, and family help
Medicare Doctor and Drug Assessment ToolCheck whether your doctors and prescriptions are covered by a specific Medicare plan. Verify provider networks and drug formularies before enrollment.Medicare Document Gathering ToolIdentify which documents you need to have ready before enrolling in Medicare or changing plans. Ensure a smooth enrollment process with our checklist tool.Caregiver Checklist ToolUse our Caregiver Readiness Checklist to ensure you have everything in place to help a loved one with Medicare decisions and enrollment.Medicare Travel Network Risk Assessment ToolAssess how your Medicare coverage works outside your home area and discover which plan types travel best with our interactive risk assessment tool.Medicare Part D Shopping ToolFind the lowest-cost Part D plan for your medications. Compare prescription drug coverage and total annual costs across Medicare Part D plans.
These tools are educational. They do not collect enrollment information, and they do not replace Medicare.gov, Social Security, SHIP, or a current plan-year coverage check.
A licensed agent, not a call center
Check the doctors, drugs, dates, and costs before you enroll
Peter Abilla, Licensed Medicare Insurance Sales Agent, NPN 22265186. Licensed in Alabama, California, Ohio, Pennsylvania, Texas, Utah, New Jersey, New York, North Carolina, Michigan, and Illinois. You reach the same person every call.