FREE MEDICARE & MEDICAID EDUCATION
Two Programs. One Site.
Plain-English guides and free calculators for Medicare enrollment, IRMAA surcharges, Advantage versus Original, Medigap shopping, and Medicaid eligibility — including dual-eligible coordination and long-term-care planning.
Medicare enrollment mistakes can cost thousands of dollars for life. Medicaid rules vary by state and can leave benefits on the table. Both deserve better than a brochure.
Medicare's late-enrollment penalty stays attached to your premium for the rest of your life. The IRMAA cliff catches retirees the year they convert a traditional IRA. Choosing Advantage versus Original locks in network rules that can be hard to leave once a chronic condition develops. Medicaid asset-spend-down rules differ in every state, and the community-spouse-protected resource cap moves yearly. This site is the free reference that maps it all in plain English, sourced from CMS and state Medicaid agencies. Always free. No ads. No paywalls. No inbox capture.
Reference Library
Calculators and reference pages — start anywhere.