{"id":1898,"date":"2026-05-06T09:33:58","date_gmt":"2026-05-06T09:33:58","guid":{"rendered":"https:\/\/renew50.com\/health\/?p=1898"},"modified":"2026-05-15T06:28:37","modified_gmt":"2026-05-15T06:28:37","slug":"medicare-cost-coverage-estimator","status":"publish","type":"post","link":"https:\/\/renew50.com\/health\/medicare-cost-coverage-estimator\/","title":{"rendered":"Medicare Cost & Coverage Estimator"},"content":{"rendered":"

[et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.7.7″ _module_preset=”default”][et_pb_fullwidth_code _builder_version=”4.7.7″ _module_preset=”default” hover_enabled=”0″ sticky_enabled=”0″] Medicare Cost & Coverage Estimator | Senior Healthcare 65+<\/title><!-- [et_pb_line_break_holder] --><\/head><!-- [et_pb_line_break_holder] --><body><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><\/p>\n<div id=\"spc-app-container\"><\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><script><!-- [et_pb_line_break_holder] -->document.addEventListener('DOMContentLoaded', function() {<!-- [et_pb_line_break_holder] --> (function() {<!-- [et_pb_line_break_holder] --> \/\/ ======================== SECURITY LAYER ========================<!-- [et_pb_line_break_holder] --> document.addEventListener('contextmenu', function(e) {<!-- [et_pb_line_break_holder] --> e.preventDefault();<!-- [et_pb_line_break_holder] --> return false;<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> document.addEventListener('keydown', function(e) {<!-- [et_pb_line_break_holder] --> if (e.key === 'F12' || e.keyCode === 123) {<!-- [et_pb_line_break_holder] --> e.preventDefault();<!-- [et_pb_line_break_holder] --> return false;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> if ((e.ctrlKey && e.shiftKey && (e.key === 'I' || e.key === 'C' || e.key === 'i' || e.key === 'c')) ||<!-- [et_pb_line_break_holder] --> (e.ctrlKey && e.key === 'u') || (e.ctrlKey && e.key === 'U') ||<!-- [et_pb_line_break_holder] --> (e.ctrlKey && e.key === 's') || (e.ctrlKey && e.key === 'S')) {<!-- [et_pb_line_break_holder] --> e.preventDefault();<!-- [et_pb_line_break_holder] --> return false;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> if (e.ctrlKey && e.shiftKey && e.key === 'J') {<!-- [et_pb_line_break_holder] --> e.preventDefault();<!-- [et_pb_line_break_holder] --> return false;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> document.addEventListener('selectstart', function(e) {<!-- [et_pb_line_break_holder] --> if (e.target.tagName !== 'INPUT' && e.target.tagName !== 'SELECT' && e.target.tagName !== 'TEXTAREA') {<!-- [et_pb_line_break_holder] --> e.preventDefault();<!-- [et_pb_line_break_holder] --> return false;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ CSS Injection - All styles via JavaScript<!-- [et_pb_line_break_holder] --> const style = document.createElement('style');<!-- [et_pb_line_break_holder] --> style.textContent = `<!-- [et_pb_line_break_holder] --> #spc-app-container {<!-- [et_pb_line_break_holder] --> width: 100%;<!-- [et_pb_line_break_holder] --> max-width: 950px;<!-- [et_pb_line_break_holder] --> margin: 0 auto;<!-- [et_pb_line_break_holder] --> font-family: 'Segoe UI', Roboto, 'Helvetica Neue', sans-serif;<!-- [et_pb_line_break_holder] --> font-size: 18px;<!-- [et_pb_line_break_holder] --> line-height: 1.5;<!-- [et_pb_line_break_holder] --> background: transparent;<!-- [et_pb_line_break_holder] --> padding: 20px;<!-- [et_pb_line_break_holder] --> box-sizing: border-box;<!-- [et_pb_line_break_holder] --> -webkit-user-select: none;<!-- [et_pb_line_break_holder] --> -ms-user-select: none;<!-- [et_pb_line_break_holder] --> user-select: none;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #spc-app-container .calculator-card {<!-- [et_pb_line_break_holder] --> background: #ffffff;<!-- [et_pb_line_break_holder] --> border-radius: 28px;<!-- [et_pb_line_break_holder] --> border: 3px solid #1e3c2c;<!-- [et_pb_line_break_holder] --> box-shadow: 0 12px 28px rgba(0,0,0,0.1);<!-- [et_pb_line_break_holder] --> overflow: hidden;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #spc-app-container .card-header {<!-- [et_pb_line_break_holder] --> background: #9fc9e0;<!-- [et_pb_line_break_holder] --> padding: 22px 28px;<!-- [et_pb_line_break_holder] --> border-bottom: 3px solid #f5b042;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #spc-app-container .card-header h1 {<!-- [et_pb_line_break_holder] --> color: #1a3b2a;<!-- [et_pb_line_break_holder] --> font-size: 1.5rem;<!-- [et_pb_line_break_holder] --> font-weight: 700;<!-- [et_pb_line_break_holder] --> margin: 0;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #spc-app-container .card-header p {<!-- [et_pb_line_break_holder] --> color: #1f3b2c;<!-- [et_pb_line_break_holder] --> font-size: 0.85rem;<!-- [et_pb_line_break_holder] --> margin-top: 6px;<!-- [et_pb_line_break_holder] --> font-weight: 600;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #spc-app-container .form-section {<!-- [et_pb_line_break_holder] --> padding: 25px 28px 20px;<!-- [et_pb_line_break_holder] --> background: #fefcf5;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #spc-app-container .input-group {<!-- [et_pb_line_break_holder] --> margin-bottom: 18px;<!-- [et_pb_line_break_holder] --> display: flex;<!-- [et_pb_line_break_holder] --> flex-direction: column;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #spc-app-container .input-group label {<!-- [et_pb_line_break_holder] --> font-weight: 700;<!-- [et_pb_line_break_holder] --> color: #1f2e1c;<!-- [et_pb_line_break_holder] --> font-size: 0.95rem;<!-- [et_pb_line_break_holder] --> margin-bottom: 6px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #spc-app-container .input-group input, <!-- [et_pb_line_break_holder] --> #spc-app-container .input-group select {<!-- [et_pb_line_break_holder] --> padding: 11px 14px;<!-- [et_pb_line_break_holder] --> font-size: 0.95rem;<!-- [et_pb_line_break_holder] --> border: 2px solid #2b5e3b;<!-- [et_pb_line_break_holder] --> border-radius: 20px;<!-- [et_pb_line_break_holder] --> background: white;<!-- [et_pb_line_break_holder] --> font-weight: 500;<!-- [et_pb_line_break_holder] --> color: #000000;<!-- [et_pb_line_break_holder] --> font-family: inherit;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #spc-app-container .input-group input:focus, <!-- [et_pb_line_break_holder] --> #spc-app-container .input-group select:focus {<!-- [et_pb_line_break_holder] --> outline: none;<!-- [et_pb_line_break_holder] --> border-color: #f5b042;<!-- [et_pb_line_break_holder] --> box-shadow: 0 0 0 2px rgba(245,176,66,0.3);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #spc-app-container .row-2col {<!-- [et_pb_line_break_holder] --> display: flex;<!-- [et_pb_line_break_holder] --> gap: 16px;<!-- [et_pb_line_break_holder] --> flex-wrap: wrap;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #spc-app-container .row-2col > div {<!-- [et_pb_line_break_holder] --> flex: 1;<!-- [et_pb_line_break_holder] --> min-width: 140px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #spc-app-container button {<!-- [et_pb_line_break_holder] --> background: #f5b042;<!-- [et_pb_line_break_holder] --> border: none;<!-- [et_pb_line_break_holder] --> padding: 13px 20px;<!-- [et_pb_line_break_holder] --> width: 100%;<!-- [et_pb_line_break_holder] --> font-size: 1.05rem;<!-- [et_pb_line_break_holder] --> font-weight: bold;<!-- [et_pb_line_break_holder] --> color: #1a3b2a;<!-- [et_pb_line_break_holder] --> border-radius: 50px;<!-- [et_pb_line_break_holder] --> cursor: pointer;<!-- [et_pb_line_break_holder] --> margin-top: 16px;<!-- [et_pb_line_break_holder] --> margin-bottom: 8px;<!-- [et_pb_line_break_holder] --> border: 2px solid #c57f1e;<!-- [et_pb_line_break_holder] --> transition: 0.2s;<!-- [et_pb_line_break_holder] --> font-family: inherit;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #spc-app-container button:hover {<!-- [et_pb_line_break_holder] --> background: #e9a137;<!-- [et_pb_line_break_holder] --> transform: scale(0.98);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #spc-app-container .results-container {<!-- [et_pb_line_break_holder] --> background: #ffffff;<!-- [et_pb_line_break_holder] --> margin: 0 25px 22px 25px;<!-- [et_pb_line_break_holder] --> border: 2px solid #2b5e3b;<!-- [et_pb_line_break_holder] --> border-radius: 24px;<!-- [et_pb_line_break_holder] --> padding: 18px 22px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #spc-app-container .result-card {<!-- [et_pb_line_break_holder] --> margin-bottom: 16px;<!-- [et_pb_line_break_holder] --> padding: 14px 18px;<!-- [et_pb_line_break_holder] --> border-radius: 20px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #spc-app-container .cost-card {<!-- [et_pb_line_break_holder] --> background: #e8f5e9;<!-- [et_pb_line_break_holder] --> border-left: 6px solid #2e7d32;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #spc-app-container .comparison-card {<!-- [et_pb_line_break_holder] --> background: #e3f2fd;<!-- [et_pb_line_break_holder] --> border-left: 6px solid #1976d2;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #spc-app-container .recommendation-card {<!-- [et_pb_line_break_holder] --> background: #fff3e0;<!-- [et_pb_line_break_holder] --> border-left: 6px solid #f5b042;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #spc-app-container .warning-card {<!-- [et_pb_line_break_holder] --> background: #fce4ec;<!-- [et_pb_line_break_holder] --> border-left: 6px solid #c62828;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #spc-app-container .result-card h3 {<!-- [et_pb_line_break_holder] --> font-size: 1rem;<!-- [et_pb_line_break_holder] --> margin-bottom: 8px;<!-- [et_pb_line_break_holder] --> font-weight: 800;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #spc-app-container .big-value {<!-- [et_pb_line_break_holder] --> font-size: 1.6rem;<!-- [et_pb_line_break_holder] --> font-weight: 800;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #spc-app-container .big-value small {<!-- [et_pb_line_break_holder] --> font-size: 0.75rem;<!-- [et_pb_line_break_holder] --> font-weight: 500;<!-- [et_pb_line_break_holder] --> color: #2c5a3e;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .plan-box {<!-- [et_pb_line_break_holder] --> background: #fef6e8;<!-- [et_pb_line_break_holder] --> border-radius: 16px;<!-- [et_pb_line_break_holder] --> padding: 12px;<!-- [et_pb_line_break_holder] --> margin-top: 8px;<!-- [et_pb_line_break_holder] --> border: 1px solid #ddd;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .info-badge {<!-- [et_pb_line_break_holder] --> background: #ecf7e6;<!-- [et_pb_line_break_holder] --> margin: 5px 25px 16px 25px;<!-- [et_pb_line_break_holder] --> padding: 12px 18px;<!-- [et_pb_line_break_holder] --> border-radius: 20px;<!-- [et_pb_line_break_holder] --> border-left: 5px solid #2c5a3e;<!-- [et_pb_line_break_holder] --> font-size: 0.75rem;<!-- [et_pb_line_break_holder] --> line-height: 1.4;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .disclaimer-box {<!-- [et_pb_line_break_holder] --> background: #f8f0e0;<!-- [et_pb_line_break_holder] --> margin: 0 25px 25px 25px;<!-- [et_pb_line_break_holder] --> padding: 14px 20px;<!-- [et_pb_line_break_holder] --> border-radius: 20px;<!-- [et_pb_line_break_holder] --> font-size: 0.7rem;<!-- [et_pb_line_break_holder] --> text-align: center;<!-- [et_pb_line_break_holder] --> line-height: 1.4;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .tips-list {<!-- [et_pb_line_break_holder] --> padding-left: 20px;<!-- [et_pb_line_break_holder] --> margin-top: 8px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .tips-list li {<!-- [et_pb_line_break_holder] --> margin: 5px 0;<!-- [et_pb_line_break_holder] --> line-height: 1.4;<!-- [et_pb_line_break_holder] --> font-size: 0.85rem;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> @media (max-width: 650px) {<!-- [et_pb_line_break_holder] --> #spc-app-container .card-header h1 { font-size: 1.2rem; }<!-- [et_pb_line_break_holder] --> #spc-app-container .big-value { font-size: 1.3rem; }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> `;<!-- [et_pb_line_break_holder] --> document.head.appendChild(style);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> const root = document.getElementById('spc-app-container');<!-- [et_pb_line_break_holder] --> if (!root) return;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ State-specific Part B premium adjustments (simplified - based on income)<!-- [et_pb_line_break_holder] --> \/\/ Base Part B premium 2024: $174.70<!-- [et_pb_line_break_holder] --> const PART_B_BASE = 174.70;<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/ State regions for Medigap availability (simplified)<!-- [et_pb_line_break_holder] --> const stateRegions = {<!-- [et_pb_line_break_holder] --> \"Connecticut\": \"standardized\", \"Massachusetts\": \"standardized\", \"Minnesota\": \"standardized\",<!-- [et_pb_line_break_holder] --> \"New York\": \"guaranteed_issue\", \"Vermont\": \"guaranteed_issue\", \"Maine\": \"guaranteed_issue\",<!-- [et_pb_line_break_holder] --> \"default\": \"standard\"<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function getMedigapAvailability(state) {<!-- [et_pb_line_break_holder] --> return stateRegions[state] || stateRegions.default;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function calculateMedicareCosts(age, income, healthStatus, coverageType, drugTier, state) {<!-- [et_pb_line_break_holder] --> \/\/ Part A premium (free for most who paid 40+ quarters)<!-- [et_pb_line_break_holder] --> let partAPremium = 0; \/\/ free for most<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/ Part B premium (income-related monthly adjustment - IRMAA)<!-- [et_pb_line_break_holder] --> let partBPremium = PART_B_BASE;<!-- [et_pb_line_break_holder] --> if (income > 97000 && income <= 123000) partBPremium = 244.60;<!-- [et_pb_line_break_holder] --> else if (income > 123000 && income <= 153000) partBPremium = 349.40;<!-- [et_pb_line_break_holder] --> else if (income > 153000 && income <= 183000) partBPremium = 454.20;<!-- [et_pb_line_break_holder] --> else if (income > 183000 && income <= 500000) partBPremium = 559.00;<!-- [et_pb_line_break_holder] --> else if (income > 500000) partBPremium = 594.00;<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/ Part D premium (average ~$55)<!-- [et_pb_line_break_holder] --> let partDPremium = 55;<!-- [et_pb_line_break_holder] --> if (drugTier === \"high\") partDPremium = 85;<!-- [et_pb_line_break_holder] --> else if (drugTier === \"low\") partDPremium = 35;<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/ Medigap Plan G (most comprehensive) - varies by age and state<!-- [et_pb_line_break_holder] --> let medigapPremium = 0;<!-- [et_pb_line_break_holder] --> if (coverageType === \"original_medigap\") {<!-- [et_pb_line_break_holder] --> medigapPremium = 120 + (age - 65) * 2;<!-- [et_pb_line_break_holder] --> if (healthStatus === \"poor\") medigapPremium *= 1.3;<!-- [et_pb_line_break_holder] --> medigapPremium = Math.round(medigapPremium);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/ Medicare Advantage (Part C) - often $0 premium<!-- [et_pb_line_break_holder] --> let advantagePremium = 0;<!-- [et_pb_line_break_holder] --> let advantageMaxOOP = 6700;<!-- [et_pb_line_break_holder] --> if (coverageType === \"advantage\") {<!-- [et_pb_line_break_holder] --> advantagePremium = Math.round(25 + (age - 65) * 0.5);<!-- [et_pb_line_break_holder] --> if (healthStatus === \"poor\") advantageMaxOOP = 8000;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/ Deductibles<!-- [et_pb_line_break_holder] --> let partBDeductible = 240;<!-- [et_pb_line_break_holder] --> let partDDeductible = 505;<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/ Total annual costs<!-- [et_pb_line_break_holder] --> let annualPartB = partBPremium * 12;<!-- [et_pb_line_break_holder] --> let annualPartD = partDPremium * 12;<!-- [et_pb_line_break_holder] --> let annualMedigap = medigapPremium * 12;<!-- [et_pb_line_break_holder] --> let annualAdvantage = advantagePremium * 12;<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> let originalTotal = annualPartB + annualPartD + annualMedigap + partBDeductible + partDDeductible;<!-- [et_pb_line_break_holder] --> let advantageTotal = annualAdvantage + advantageMaxOOP;<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> return {<!-- [et_pb_line_break_holder] --> partAPremium: 0,<!-- [et_pb_line_break_holder] --> partBPremium: Math.round(partBPremium),<!-- [et_pb_line_break_holder] --> partDPremium: partDPremium,<!-- [et_pb_line_break_holder] --> medigapPremium: medigapPremium,<!-- [et_pb_line_break_holder] --> advantagePremium: advantagePremium,<!-- [et_pb_line_break_holder] --> partBDeductible: partBDeductible,<!-- [et_pb_line_break_holder] --> partDDeductible: partDDeductible,<!-- [et_pb_line_break_holder] --> advantageMaxOOP: advantageMaxOOP,<!-- [et_pb_line_break_holder] --> originalAnnual: Math.round(originalTotal),<!-- [et_pb_line_break_holder] --> advantageAnnual: Math.round(advantageTotal),<!-- [et_pb_line_break_holder] --> hasIRMAA: partBPremium > PART_B_BASE<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> function getPlanRecommendation(originalCost, advantageCost, healthStatus, doctorPreference, drugTier) {<!-- [et_pb_line_break_holder] --> let recommendation = \"\";<!-- [et_pb_line_break_holder] --> let reason = \"\";<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> if (doctorPreference === \"any_doctor\" && healthStatus !== \"poor\") {<!-- [et_pb_line_break_holder] --> if (advantageCost < originalCost * 0.8) {<!-- [et_pb_line_break_holder] --> recommendation = \"Medicare Advantage (Part C)\";<!-- [et_pb_line_break_holder] --> reason = \"Significantly lower annual cost and includes Part D. Check network for your preferred doctors.\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> recommendation = \"Original Medicare + Medigap + Part D\";<!-- [et_pb_line_break_holder] --> reason = \"Lower out-of-pocket risk and freedom to see any doctor nationwide.\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> } else if (doctorPreference === \"specific_doctors\" || healthStatus === \"poor\") {<!-- [et_pb_line_break_holder] --> recommendation = \"Original Medicare + Medigap + Part D\";<!-- [et_pb_line_break_holder] --> reason = \"Original Medicare offers nationwide coverage without networks \u2014 best for those with specific doctors or chronic conditions.\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> if (advantageCost < originalCost) {<!-- [et_pb_line_break_holder] --> recommendation = \"Medicare Advantage (Part C)\";<!-- [et_pb_line_break_holder] --> reason = \"Lower total estimated cost. Be sure to verify drug coverage and provider network.\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> recommendation = \"Original Medicare + Medigap + Part D\";<!-- [et_pb_line_break_holder] --> reason = \"Better protection against high costs and more flexibility.\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> return { recommendation, reason };<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Build the calculator card<!-- [et_pb_line_break_holder] --> const card = document.createElement('div');<!-- [et_pb_line_break_holder] --> card.className = 'calculator-card';<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/ Generate state options<!-- [et_pb_line_break_holder] --> const states = [\"Alabama\", \"Alaska\", \"Arizona\", \"Arkansas\", \"California\", \"Colorado\", \"Connecticut\", \"Delaware\", \"Florida\", \"Georgia\", \"Hawaii\", \"Idaho\", \"Illinois\", \"Indiana\", \"Iowa\", \"Kansas\", \"Kentucky\", \"Louisiana\", \"Maine\", \"Maryland\", \"Massachusetts\", \"Michigan\", \"Minnesota\", \"Mississippi\", \"Missouri\", \"Montana\", \"Nebraska\", \"Nevada\", \"New Hampshire\", \"New Jersey\", \"New Mexico\", \"New York\", \"North Carolina\", \"North Dakota\", \"Ohio\", \"Oklahoma\", \"Oregon\", \"Pennsylvania\", \"Rhode Island\", \"South Carolina\", \"South Dakota\", \"Tennessee\", \"Texas\", \"Utah\", \"Vermont\", \"Virginia\", \"Washington\", \"West Virginia\", \"Wisconsin\", \"Wyoming\"];<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> const stateOptions = states.map(s => `<option value=\"${s}\">${s}<\/option>`).join('');<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> card.innerHTML = `<!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"card-header\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h1>🏥 Medicare Cost & Coverage Estimator<\/h1>\n<p><!-- [et_pb_line_break_holder] --> <pee>Projects out-of-pocket costs for Parts A\/B\/D + Medigap\/Advantage for seniors 65+<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"form-section\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"row-2col\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"input-group\"><!-- [et_pb_line_break_holder] --> <label>Age (for Medicare)<\/label><!-- [et_pb_line_break_holder] --> <input type=\"number\" id=\"age\" placeholder=\"65-100\" value=\"68\" min=\"65\" max=\"100\" step=\"1\"><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"input-group\"><!-- [et_pb_line_break_holder] --> <label>Annual Household Income (for Part B premium)<\/label><!-- [et_pb_line_break_holder] --> <input type=\"number\" id=\"income\" placeholder=\"$\" value=\"75000\" min=\"0\" max=\"600000\" step=\"5000\"><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"row-2col\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"input-group\"><!-- [et_pb_line_break_holder] --> <label>Health Status<\/label><!-- [et_pb_line_break_holder] --> <select id=\"healthStatus\"><!-- [et_pb_line_break_holder] --><option value=\"good\">Good \/ Few chronic conditions<\/option><!-- [et_pb_line_break_holder] --><option value=\"fair\">Fair \/ Manageable conditions (diabetes, hypertension)<\/option><!-- [et_pb_line_break_holder] --><option value=\"poor\" selected>Poor \/ Multiple or serious conditions<\/option><!-- [et_pb_line_break_holder] --> <\/select><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"input-group\"><!-- [et_pb_line_break_holder] --> <label>Prescription Drug Needs<\/label><!-- [et_pb_line_break_holder] --> <select id=\"drugTier\"><!-- [et_pb_line_break_holder] --><option value=\"low\">Low (generic only, few meds)<\/option><!-- [et_pb_line_break_holder] --><option value=\"moderate\" selected>Moderate (some brand name)<\/option><!-- [et_pb_line_break_holder] --><option value=\"high\">High (specialty or expensive meds)<\/option><!-- [et_pb_line_break_holder] --> <\/select><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"input-group\"><!-- [et_pb_line_break_holder] --> <label>Preferred Doctors \/ Coverage Preference<\/label><!-- [et_pb_line_break_holder] --> <select id=\"doctorPreference\"><!-- [et_pb_line_break_holder] --><option value=\"any_doctor\">Any doctor is fine (I'll check networks)<\/option><!-- [et_pb_line_break_holder] --><option value=\"specific_doctors\" selected>I have specific doctors I want to keep<\/option><!-- [et_pb_line_break_holder] --> <\/select><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"input-group\"><!-- [et_pb_line_break_holder] --> <label>State of Residence<\/label><!-- [et_pb_line_break_holder] --> <select id=\"state\"><!-- [et_pb_line_break_holder] --> ${stateOptions}<!-- [et_pb_line_break_holder] --> <\/select><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <button id=\"calcButton\">Estimate Medicare Costs & Plans<\/button><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"resultsPanel\" class=\"results-container\" style=\"display: none;\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"info-badge\"><!-- [et_pb_line_break_holder] --> 📘 Tool Basis: Based on 2024-2025 Medicare Part A\/B premiums, IRMAA income brackets, and average Medigap\/Part D costs. Actual costs vary by carrier, plan, and location. Medicare Advantage (Part C) averages assume HMO\/PPO plans with $0-30 monthly premium.<!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"disclaimer-box\"><!-- [et_pb_line_break_holder] --> ⚕️ Financial Disclaimer: This is an estimator only. Medicare options vary by county, carrier, and enrollment period. Consult a State Health Insurance Assistance Program (SHIP) counselor or licensed Medicare agent before enrolling. Open Enrollment runs October 15 - December 7 annually.<!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> `;<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> root.appendChild(card);<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> function updateEstimates() {<!-- [et_pb_line_break_holder] --> let age = parseFloat(document.getElementById('age')?.value);<!-- [et_pb_line_break_holder] --> let income = parseFloat(document.getElementById('income')?.value);<!-- [et_pb_line_break_holder] --> let healthStatus = document.getElementById('healthStatus')?.value;<!-- [et_pb_line_break_holder] --> let drugTier = document.getElementById('drugTier')?.value;<!-- [et_pb_line_break_holder] --> let doctorPreference = document.getElementById('doctorPreference')?.value;<!-- [et_pb_line_break_holder] --> let state = document.getElementById('state')?.value;<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> if (isNaN(age) || age < 65 || age > 100) {<!-- [et_pb_line_break_holder] --> alert(\"Please enter a valid age between 65 and 100.\");<!-- [et_pb_line_break_holder] --> return;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> if (isNaN(income) || income < 0 || income > 600000) {<!-- [et_pb_line_break_holder] --> alert(\"Please enter a valid annual income.\");<!-- [et_pb_line_break_holder] --> return;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> const costs = calculateMedicareCosts(age, income, healthStatus, \"original_medigap\", drugTier, state);<!-- [et_pb_line_break_holder] --> const advantageCosts = calculateMedicareCosts(age, income, healthStatus, \"advantage\", drugTier, state);<!-- [et_pb_line_break_holder] --> const { recommendation, reason } = getPlanRecommendation(costs.originalAnnual, advantageCosts.advantageAnnual, healthStatus, doctorPreference, drugTier);<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> const medigapAvailability = getMedigapAvailability(state);<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> let enrollmentWarning = \"\";<!-- [et_pb_line_break_holder] --> if (age === 65) {<!-- [et_pb_line_break_holder] --> enrollmentWarning = \"🎯 You're turning 65! Your Initial Enrollment Period lasts 7 months (3 months before\/after your 65th birthday). Enroll now to avoid lifetime penalties.\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> const resultsHTML = `<!-- [et_pb_line_break_holder] --> ${enrollmentWarning ? `<\/p>\n<div class=\"result-card warning-card\">\n<h3>⚠️ Important Enrollment Notice<\/h3>\n<div>${enrollmentWarning}<\/div>\n<\/div>\n<p>` : ''}<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"result-card cost-card\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3>💰 Your Estimated Annual Medicare Costs<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"big-value\">${costs.hasIRMAA ? '⚠️ Income-Related Adjustment' : ''}<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-box\"><!-- [et_pb_line_break_holder] --> <strong>📋 Original Medicare + Medigap + Part D<\/strong><!\u2013- [et_pb_br_holder] -\u2013><!-- [et_pb_line_break_holder] --> Part B Premium: $${costs.partBPremium}\/month<!\u2013- [et_pb_br_holder] -\u2013><!-- [et_pb_line_break_holder] --> Part D Premium: ~$${costs.partDPremium}\/month<!\u2013- [et_pb_br_holder] -\u2013><!-- [et_pb_line_break_holder] --> Medigap (Plan N\/G): ~$${costs.medigapPremium}\/month<!\u2013- [et_pb_br_holder] -\u2013><!-- [et_pb_line_break_holder] --> Deductibles: $${costs.partBDeductible} (Part B) + $${costs.partDDeductible} (Part D)<!\u2013- [et_pb_br_holder] -\u2013><!-- [et_pb_line_break_holder] --> <strong>Estimated Annual Total: $${costs.originalAnnual.toLocaleString()}<\/strong><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"plan-box\" style=\"margin-top:8px;\"><!-- [et_pb_line_break_holder] --> <strong>🏢 Medicare Advantage (Part C) - Estimated<\/strong><!\u2013- [et_pb_br_holder] -\u2013><!-- [et_pb_line_break_holder] --> Monthly Premium: ~$${advantageCosts.advantagePremium}\/month (many $0 plans)<!\u2013- [et_pb_br_holder] -\u2013><!-- [et_pb_line_break_holder] --> Maximum Out-of-Pocket: $${advantageCosts.advantageMaxOOP.toLocaleString()}\/year<!\u2013- [et_pb_br_holder] -\u2013><!-- [et_pb_line_break_holder] --> <strong>Estimated Annual Cost (Max): $${advantageCosts.advantageAnnual.toLocaleString()}<\/strong><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"result-card comparison-card\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3>🎯 Plan Recommendation<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"big-value\">${recommendation}<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"margin-top: 6px;\">${reason}<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"margin-top: 8px; font-size:0.85rem;\"><!-- [et_pb_line_break_holder] --> 📍 Based on your state (${state}), Medigap availability: ${medigapAvailability === 'guaranteed_issue' ? 'Guaranteed issue rights may apply' : 'Standard underwriting typically required'}<!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"result-card recommendation-card\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3>💡 Key Medicare Enrollment Tips<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<ul class=\"tips-list\"><!-- [et_pb_line_break_holder] --> <\/p>\n<li>\u2022 <strong>Initial Enrollment Period (IEP):<\/strong> 3 months before\/after your 65th birthday<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>\u2022 <strong>Annual Open Enrollment (AEP):<\/strong> Oct 15 - Dec 7 (change plans yearly)<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>\u2022 <strong>Medicare Advantage Open Enrollment:<\/strong> Jan 1 - Mar 31 (switch back to Original)<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>\u2022 <strong>Late enrollment penalties:<\/strong> 10% per year for Part B, ~1% per month for Part D<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>\u2022 <strong>Medigap guaranteed issue rights:<\/strong> During IEP or special circumstances<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/ul>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"result-card cost-card\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3>📋 2025 Important Numbers<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<ul class=\"tips-list\"><!-- [et_pb_line_break_holder] --> <\/p>\n<li>\u2022 Part B standard premium: <strong>$174.70\/month<\/strong> (higher if income > $97,000)<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>\u2022 Part B deductible: <strong>$240\/year<\/strong><\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>\u2022 Part D base premium: <strong>~$55\/month<\/strong> (varies by plan)<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>\u2022 Part D deductible: <strong>$505\/year<\/strong> (max)<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>\u2022 Part A premium (if not free): <strong>$278-$505\/month<\/strong><\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>\u2022 Medigap Plan G (age 65): ~<strong>$120-$180\/month<\/strong><\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/ul>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"result-card warning-card\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3>🏥 Senior Healthcare Resources<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<ul class=\"tips-list\"><!-- [et_pb_line_break_holder] --> <\/p>\n<li>📞 <strong>SHIP (State Health Insurance Assistance Program):<\/strong> Free local Medicare counseling \u2014 1-877-839-2675<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>💻 <strong>Medicare Plan Finder:<\/strong> www.medicare.gov \u2014 Compare Part D and Advantage plans<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>💰 <strong>Extra Help (LIS):<\/strong> Low-income subsidy for Part D costs \u2014 apply via SSA<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>🏢 <strong>Medicaid:<\/strong> Dual-eligible beneficiaries get additional coverage<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/ul>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> `;<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> const resultsDiv = document.getElementById('resultsPanel');<!-- [et_pb_line_break_holder] --> if (resultsDiv) {<!-- [et_pb_line_break_holder] --> resultsDiv.style.display = 'block';<!-- [et_pb_line_break_holder] --> resultsDiv.innerHTML = resultsHTML;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> const calcBtn = document.getElementById('calcButton');<!-- [et_pb_line_break_holder] --> if (calcBtn) {<!-- [et_pb_line_break_holder] --> calcBtn.addEventListener('click', updateEstimates);<!-- [et_pb_line_break_holder] --> setTimeout(() => updateEstimates(), 50);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/ Additional copy protection<!-- [et_pb_line_break_holder] --> document.addEventListener('copy', function(e) {<!-- [et_pb_line_break_holder] --> if (e.target.tagName !== 'INPUT' && e.target.tagName !== 'SELECT') {<!-- [et_pb_line_break_holder] --> e.preventDefault();<!-- [et_pb_line_break_holder] --> return false;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> window.addEventListener('keydown', function(e) {<!-- [et_pb_line_break_holder] --> if ((e.ctrlKey && e.key === 'a') || (e.ctrlKey && e.key === 'A')) {<!-- [et_pb_line_break_holder] --> if (document.activeElement && (document.activeElement.tagName === 'INPUT' || document.activeElement.tagName === 'SELECT')) {<!-- [et_pb_line_break_holder] --> \/\/ allow select all inside inputs<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> e.preventDefault();<!-- [et_pb_line_break_holder] --> return false;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> })();<!-- [et_pb_line_break_holder] -->});<!-- [et_pb_line_break_holder] --><\/script><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><\/body><!-- [et_pb_line_break_holder] --><\/html>[\/et_pb_fullwidth_code][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.7.7″ _module_preset=”default”][et_pb_fullwidth_code _builder_version=”4.7.7″ _module_preset=”default” hover_enabled=”0″ sticky_enabled=”0″] Medicare Cost & Coverage Estimator | Senior Healthcare 65+ [\/et_pb_fullwidth_code][\/et_pb_section]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[32],"tags":[],"class_list":["post-1898","post","type-post","status-publish","format-standard","hentry","category-tools-calculators"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Medicare Cost & Coverage Estimator - Transform Your Health. Reclaim Your Life<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/renew50.com\/health\/medicare-cost-coverage-estimator\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Medicare Cost & Coverage Estimator - Transform Your Health. 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