Free Calculators
Run the numbers before you decide
These tools take 2–3 minutes and can save you thousands in penalties, wrong plans, or missed benefits.
Most Popular
Calculator
Medicare Advantage vs. Supplement Cost Comparison
See your total projected costs at 1, 5, 10, and 20 years. Enter your age, plan premiums, and how much you use healthcare — and we show you which option costs less over time.
Calculator
Medicare Enrollment Window Calculator
Find your exact IEP or SEP enrollment dates. Missing your window means a permanent penalty — enter your birthday or coverage end date and know exactly when to act.
Calculator
IRMAA Surcharge Calculator
Higher income means higher Part B and Part D premiums. See exactly how much you'll pay in 2026 based on your income — and learn if you can appeal your IRMAA.
Plan Comparison Tools
Compare plans in your ZIP code
See real plans available in South Florida — filter by doctors, medications, and budget.
Plan Finder
Medicare Plan Finder
Compare Medicare Advantage, Supplement, and Part D plans available in your ZIP code. Add your doctors and medications for accurate cost estimates. Powered by Sunfire.
Quiz
Which Plan Is Right for Me?
Answer 5 quick questions about your health, budget, and doctors. We'll tell you whether Medicare Advantage or Medigap makes more sense for your situation.
Program
Medicare Savings Program
Florida may pay your Part B premium ($185/mo) and more if you qualify for MSP. Many people are surprised they qualify. Check in 2 minutes — free.
Medicare Guides
Learn before you decide
Plain-language guides written by licensed Florida brokers — no jargon, no sales pitch.
Basics
What is Medicare?
The four parts explained in plain English — A, B, C, D — and how they work together.
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Enrollment
Medicare Enrollment Periods
IEP, AEP, SEP, OEP, GEP — all the windows explained so you never miss yours.
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Plans
Medicare Advantage in Miami
How Part C works, HMO vs PPO, extra benefits, and top carriers in South Florida.
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Plans
Medicare Supplement (Medigap)
Plan G vs Plan N, how Medigap fills the gaps, and what it costs in Florida.
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Costs
Medicare Costs & IRMAA
Premiums, deductibles, and income-based surcharges — what you'll actually pay in 2026.
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Myths
15 Medicare Myths
Common misconceptions that cost Florida seniors thousands — debunked with facts.
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Savings
Medicare Savings Program
How Florida can pay your Part B premium and more — QMB, SLMB, and QI explained.
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Insurance
Compare Medicare Plans Miami
Side-by-side comparison of all plan types available to South Florida residents.
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Still not sure which option is right for you?
Our licensed bilingual brokers in Doral, FL compare all plans for you — free. We check your doctors, your medications, and your budget. No cost, no obligation, ever.