Advantage or Supplement?
Six questions about your doctors, your travel and your budget. Tells you which side of the Medicare fork actually fits — and why.
Find my plan typeFree tools
Work it out yourself. Then call if you want to.
Four small tools that answer the questions people ask before they are ready to talk to anybody. No email gate, no sign-up, nothing saved to a server.
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2 min -
1 min Enrollment Window Checker
Enter your birthday and get your exact Initial Enrollment Period dates, your Medigap open enrollment window, and the deadlines that carry lifetime penalties.
Check my dates -
3 min Annual Cost Estimator
Compare what a year on a Medicare Advantage plan versus a Supplement plus Part D would realistically cost you — premiums, deductibles and expected visits included.
Estimate my year -
1 min IRMAA Surcharge Estimator
Higher income means a surcharge on Part B and Part D. See which bracket your tax return puts you in before the letter arrives.
Check my bracket
How these work
Honest about what they can and can't do.
These run entirely in your browser. Nothing you type is sent anywhere, nothing is stored, and there is no email box standing between you and the answer. Close the tab and it is gone.
They are also not quotes. A real plan recommendation needs your specific doctors checked against specific networks and your specific medications priced against specific formularies — which is work that cannot honestly be done by a calculator. What these tools do is get you to the right question faster, so that when we do talk, we start from somewhere useful.
What they use
- Structural rules — enrollment windows, IRMAA brackets and the way Medicare's parts fit together are set by federal rule, and the tools follow them.
- Your own inputs — the cost estimator uses figures you supply about your own expected usage rather than pretending to know them.
- No plan database — the tools deliberately never show plan counts, premiums or names, because a static page cannot keep those accurate and a wrong number is worse than no number.
Where a figure changes each year — the Part B premium, the IRMAA thresholds — it is labelled with the year it applies to. If you are reading this after that year has rolled over, treat it as approximate and ask me for the current number.
Next step
When you'd rather just ask a person.
No tool beats twenty minutes with somebody who does this all day. Brian Penner, 22+ Years, based in Anthem — and it costs nothing.