Medicare planning tool
Medicare Cost Estimator
Prepare a plain-English list of Medicare cost categories to review.
Planning worksheet
Use this worksheet to organize the facts that usually shape a Medicare timing, cost, or coverage conversation.
Timing
Write down the month you turn 65, your retirement date if known, and the date any current coverage may end.
Current coverage
List employer, retiree, COBRA, Medicaid, veterans, marketplace, spouse, or other coverage that may coordinate with Medicare.
Doctors and prescriptions
Keep a current list of doctors, hospitals, pharmacies, medications, dosages, and refill patterns before comparing coverage paths.
Cost questions
Separate monthly premiums from deductibles, copays, coinsurance, drug costs, and the risk of higher spending during a high-care year.
Next step
Decide whether you need official rules from Medicare.gov, counseling from SHIP, employer benefits guidance, or plan-specific help from a licensed professional.