Medicare.
Free calculators, checklists, and plain-English articles — organized around the questions I hear most. Tell me where you are and I'll surface what fits.
Interactive tools
Medicare Enrollment Timeline
See your 7-month Initial Enrollment Period based on your 65th birthday.
Which Medicare Path Fits Me?
5-question quiz — Original Medicare + Medigap or Medicare Advantage?
Monthly Cost Estimator
Estimate Part B, IRMAA, Medigap or Advantage, and Part D based on your income.
Enrollment Readiness Checklist
Everything to have ready before we talk — save your progress and email it to me.
Doctor & Drug Quick-Check
List your doctors and prescriptions — I'll verify carrier coverage and reply within one business day.
Glossary & FAQ
Plain-English definitions and answers to the most-asked Medicare questions.
Articles & insights
Plain-English explanations — no jargon, no sales pitch.
6 min readIRMAA: The Medicare Surcharge Nobody Told You About
She sounds like your favorite aunt. She acts like a tax. Meet IRMAA — the income-based Medicare surcharge that quietly raises your Part B and Part D premiums two years after a big income year.
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5 min readMedicare Parts A, B, C, D — Explained Without the Alphabet Soup
A is hospital, B is doctor, C is the bundled alternative, D is drugs. Everything else is a footnote. Here's the plain-English version of every Medicare part — and where Medigap fits in.
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7 min readMedicare Advantage vs. Medigap: Which One Actually Fits You?
The single biggest Medicare decision, with the sales pitch removed. Honest tradeoffs, a side-by-side comparison, and a checklist to help you pick the road that fits your life.
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6 min readWhen to Enroll in Medicare (Without Getting Hit by a Late Penalty)
The seven-month window. The Medigap deadline most people miss. The COBRA trap. Everything you need to know about Medicare enrollment timing — and the penalties that follow you for life if you get it wrong.
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6 min readDoes Medicare Cover That? Dental, Vision, Hearing, and Other Surprises
Dental. Vision. Hearing aids. Long-term care. Care abroad. The gaps people only discover at the dentist's office — and how to fill them on purpose instead of by accident.
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6 min readHow Much Does Medicare Actually Cost in 2026?
Real dollar amounts for Parts A, B, D, Medigap, and Advantage — plus where IRMAA fits in. A realistic monthly picture of what Medicare will actually run you in retirement.
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