Free Tools
Free Medicare Tools & Calculators
Quick, private, no-sign-up calculators to help you understand Medicare penalties and premiums. Everything runs in your browser — nothing is sent anywhere.
Medicare OTC Benefit Lookup
Look up your Medicare Advantage over-the-counter benefit by carrier — most members have $400–$2,000 in unused credits.
Open calculator →Part B Late Enrollment Penalty Calculator
Estimate the permanent monthly penalty added to your Part B premium if you enrolled late without creditable employer coverage.
Open calculator →Part D Late Enrollment Penalty Calculator
Estimate the monthly penalty added to your Part D premium for going without creditable prescription drug coverage.
Open calculator →IRMAA Calculator 2026
Estimate your 2026 Medicare Part B premium, including any income-related surcharge, based on your 2024 income.
Open calculator →
These tools provide general educational estimates only and are not a substitute for official
confirmation from CMS, the Social Security Administration, or your Medicare plan. Price Services
Group is an independent agency not connected with or endorsed by the U.S. government or the
federal Medicare program. See our full Medicare Calculators hub for additional cost-comparison and retirement-income tools.