Medicare Cost Calculator
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Affects IRMAA surcharges for higher earners
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Important Medicare Facts
Enrollment Periods
- Initial Enrollment: 3 months before to 3 months after your 65th birthday
- General Enrollment: January 1 - March 31 (coverage starts July 1)
- Open Enrollment: October 15 - December 7 (coverage starts January 1)
Late Enrollment Penalties
- Part B: 10% penalty for each 12-month period you delay enrollment
- Part D: 1% penalty for each month you delay enrollment
- Lifetime penalties: These penalties continue as long as you have Medicare