Estimate your total annual Medicare costs and compare your options.
Estimates only. This is an educational model using 2026 figures and typical copays — not a quote. Your actual costs depend on the specific plan, your providers, prescriptions, and area. Confirm with Medicare.gov or a licensed agent.
The monthly amount you pay to have coverage — Part B, plus Part D and/or Medigap or a Medicare Advantage plan.
What you pay out of pocket before your coverage starts paying (e.g., the annual Part B deductible).
A fixed dollar amount you pay for a service, like $10 for a doctor visit.
A percentage you pay for a service — Original Medicare's Part B coinsurance is typically 20%.
Medicare Advantage plans cap your yearly in-network medical costs. Original Medicare has no cap, which is why many people add Medigap.
A federal program that lowers Part D prescription costs for people with limited income and resources.
An income-related surcharge added to Part B and Part D premiums for higher-income beneficiaries.
When you qualify & your enrollment dates.
Estimate income-based premium surcharges.
Estimate prescription costs & generics.
Visualize your enrollment windows.
Days until your enrollment deadlines.
Estimate late-enrollment penalties.
A licensed Utah agent can pressure-test these numbers against real plans — free, no pressure.