Medicare Cost Calculator 2025
Calculate your Medicare costs and compare Medicare Advantage vs Medicare Supplement plans. Get personalized estimates for premiums, deductibles, co-pays, and total out-of-pocket costs to find the best Medicare coverage for your needs and budget.
💡 How the Medicare Cost Calculator Works
What You'll Calculate
- • Monthly premium costs
- • Annual deductibles
- • Co-pays and coinsurance
- • Out-of-pocket maximums
- • Prescription drug costs
Information You'll Need
- • Your ZIP code
- • Current medications
- • Preferred doctors/hospitals
- • Annual income (for subsidy eligibility)
- • Health conditions and usage
Medicare Cost Calculator Tools
Medicare Advantage Calculator
Calculate costs for Medicare Advantage plans including premiums, co-pays, and out-of-pocket maximums.
- • Compare multiple MA plans
- • Include prescription drug costs
- • Factor in extra benefits
- • Estimate annual total costs
Medicare Supplement Calculator
Calculate costs for Medicare Supplement (Medigap) plans plus Part D prescription drug coverage.
- • Compare Medigap plan types
- • Add Part D drug plan costs
- • Factor in Medicare Part B costs
- • Calculate total monthly premiums
Side-by-Side Comparison
Compare Medicare Advantage vs Medicare Supplement costs side-by-side for your specific situation.
- • MA vs Medigap comparison
- • Factor in all costs
- • Include provider access
- • Personalized recommendations
2025 Medicare Cost Basics
Standard Medicare Costs (2025)
Medicare Advantage Ranges
Cost Factors to Consider
Monthly Costs
- Medicare Part B premium ($185/month)
- Medicare Advantage plan premium
- Medigap plan premium (if chosen)
- Part D prescription drug plan premium
Usage-Based Costs
- Doctor visit co-pays
- Specialist visit costs
- Hospital admission costs
- Prescription medication costs
Cost Calculation Scenarios
Healthy & Active
Minimal healthcare usage, few medications
- • Low premium MA plan ($0-$30/month)
- • Basic prescription coverage
- • Annual costs: $2,000-$4,000
Moderate Health Needs
Regular doctor visits, some specialist care
- • Mid-tier MA plan ($30-$80/month)
- • Enhanced drug coverage
- • Annual costs: $4,000-$7,000
High Healthcare Usage
Chronic conditions, multiple medications
- • Premium MA or Medigap plan
- • Comprehensive drug coverage
- • Annual costs: $6,000-$10,000+
Interactive Cost Calculator Features
Personalization Options
- Enter your ZIP code for local plans
- Add your current medications
- Select preferred doctors/hospitals
- Estimate your healthcare usage
Comparison Features
- Side-by-side plan comparisons
- Total cost projections
- Savings opportunities
- Best value recommendations
Get Professional Help with Medicare Costs
Free Medicare Counseling
Local SHIP counselors provide free, unbiased Medicare help
Find Local Counselors →Licensed Insurance Agent
Get personalized Medicare cost analysis and recommendations
Speak with Agent →Start Calculating Your Medicare Costs Today
Get personalized Medicare cost estimates and find the most affordable plan that meets your healthcare needs and budget requirements.