About This Tool
This site provides a simple Medicare Optimization Check. It uses a few key inputs to highlight whether your current setup looks:
- Likely overpaying on premiums,
- Exposed to IRMAA-related costs,
- Mismatched to drug usage or doctors, or
- Already reasonably well aligned.
The goal is to give you a clearer starting point — a “signal” that your current setup might be worth a closer look, or that it appears stable based on the answers you provided.
This checker does not sell insurance, recommend specific plans, or replace a full review with a licensed professional. It’s meant as a quick way to organize your thinking before you talk with someone or make changes.
This is an independent tool and is not affiliated with Medicare.gov or any government agency.