Medicare Annual Enrollment is coming… Get local help →

Free Tools

Free Medicare tools — real help, no signup

Start with the plan finder below: enter your ZIP and we'll compare the Medicare Advantage, Medigap, and Part D plans that fit your doctors, prescriptions, and budget — free, with no pressure. Prefer to do it yourself? We'll point you to the official Medicare Plan Finder too.

Find the right Medicare Advantage plan for your ZIP

A single county can have dozens of Part C plans — each with different premiums, drug coverage, star ratings, and doctor networks. Enter your ZIP and we'll compare the plans that actually fit your doctors, prescriptions, and budget — free, no pressure.

We'll confirm the plans available in your county with you.

More free tools

Eligibility check

Find your Initial Enrollment Period window.

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Part B late penalty

Estimate the cost of enrolling late.

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Part D late penalty

Estimate your Part D late-enrollment penalty.

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Premium & IRMAA estimator

Estimate your Part B premium and any IRMAA surcharge.

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Medicare cost calculator

Estimate your total 2026 Medicare costs.

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Plan G vs Plan N

See the 2026 break-even point between the two.

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Enrollment timeline

See which enrollment window you're in.

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Provider lookup

Check if your doctor is in a plan's network.

Open the tool →

Every calculator here is also an agent-callable WebMCP tool — see /.well-known/mcp.json and /llms.txt.

About these tools

Are these Medicare tools really free?

Yes — every tool here is free to use with no signup, and comparing plans with a licensed agent is always free to you (insurance carriers pay our fee, not you).

Can an AI assistant help using this site?

Yes. This site publishes machine-readable guides — see /llms.txt and /.well-known/mcp.json — so AI assistants like ChatGPT, Perplexity, or a browsing agent can read about our services and help you get in touch.

Content reviewed by Brian Penner, Independent Medicare advisor — no pressure.