Tell us your ZIP and what you need to compare. We share useful comparison points so you know what to ask before you talk to anyone.
Free, no obligation. We share useful next steps based on what you tell us.
Free 2026 Medicare tools
Three interactive calculators that run in your browser. Nothing stored. Nothing transmitted. Just clear answers to specific Medicare questions.
Enrollment dates
Enter your birth date. See your IEP window, next AEP and OEP, and Part B late-enrollment penalty risk.
Open calculator →Higher-income surcharge
Enter your MAGI. See your Part B and Part D surcharges, annual total, and whether an SSA-44 appeal applies.
Open calculator →$2,100 Part D cap
Enter your annual drug spend. See when you hit the new $2,100 out-of-pocket cap and what the M3P payment plan looks like.
Open calculator →Featured guides
Most people land on Medicare with one specific worry — dental coverage, drug costs, the right time to enroll, or whether Advantage or Medigap is the better fit. Pick the cluster that matches yours.
What Medicare covers
Dental, vision, hearing, prescription drugs, and exactly what each Part of Medicare pays for.
Advantage vs Medigap
The real trade-offs between Medicare Advantage, Medigap, Part D, and the specific letter plans people actually buy.
When to sign up
Miss your window and you can owe a late-enrollment penalty for life. Here are the windows that matter.
Edge cases
Higher income, an HSA, a still-active employer plan, dual eligibility — the cases the standard guides skip.
Local rules & carriers
Plan availability, Medigap underwriting rules, and SHIP contacts vary by state. Find yours.
Tools & transparency
All three 2026 calculators in one place, plus how we research, who writes, and how to reach us.