Methodology & Sources

What the checklist does

The cost planning checklist identifies categories to check, such as premiums, cost sharing, prescription coverage, and providers. It does not accept inputs, calculate a total, or determine eligibility. The previous numerical estimator was suspended because its historical assumptions could misstate costs.

Limits

Medicare costs depend on the coverage year, benefits, services used, plan, location and individual circumstances. Part A hospital cost sharing depends on benefit periods; Part B cost sharing depends on covered services and remaining deductible. Part B and Part D income-related adjustments depend on the applicable year and filing status. The checklist cannot determine these amounts or whether a penalty or assistance applies.

Primary sources

• Medicare.gov: current costs for current premiums and cost-sharing information.
• Medicare Plan Finder for comparing plans and drug coverage.
• CMS: 2025 Parts A and B premiums and deductibles, including 2025 Part B and Part D income-related adjustments. These are historical, not current rates.
• Medicare.gov: when coverage starts and Medigap plan benefits.

Confirm your actual amounts with Medicare, Social Security, or the relevant plan. This site provides general information, not personalized coverage or medical advice.