Calculators and tools
The site's interactive tools in one place: the Part B late penalty calculator, the printable quick-reference card, and the comparison tables that turn the three-program rulebook into side-by-side answers.
Tools that do the math for you
Part B penalty calculator
Months of delay in, lifelong monthly surcharge out — with the new premium and lifetime cost at 2026 rates.
Veteran IRMAA calculator
Income by source, the VA-disability exclusion made visible, your 2026 tier — and the widow's-penalty preview.
Aid & Attendance estimator
MAPR minus countable income, with care costs deducted and the net-worth test built in.
HSA proration widget
Your final contribution year in twelfths — Part A backdating included in the question.
Medigap vs. MA breakeven
The flat line against the slope — four utilization scenarios at once, breakeven named.
Printable quick reference
The five rules, the 2026 numbers, and every phone number on one printable page.
Drug cost comparator
VA pharmacy vs. Express Scripts vs. Part D — your prescription counts in, three annual totals and the cheapest route out.
2026 changes tracker
Every number that moved this year, across Medicare, TRICARE, and the VA.
The calculator shelf is complete at six; the drug-strategy guide holds the table behind the comparator. The questions hub and comparison index cover the decisions that don't reduce to arithmetic.
You earned these benefits. Make them work together.
Whether you keep exactly what you have or add Medicare coverage alongside it, the right answer depends on your health, budget, and how you like to get care.
No cost, no obligation. You can also get help from Medicare.gov, 1-800-MEDICARE (TTY 1-877-486-2048), or your local SHIP office.