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Coverage Checkup

Tick what's true for you. The right side turns it into a short list of where money usually hides in a Medicare setup, the traps that cost people their coverage, and the exact government pages to use next.

How do you get Medicare today?
Do you have a Medigap (Medicare Supplement) policy?

A lettered plan — G, N, F — from a private insurer, sold alongside Original Medicare.

Do you have a standalone Part D drug plan?
Same company for Medigap and drug plan?

Example: AARP/UnitedHealthcare for both.

Does your premium page show an IRMAA line?

medicare.gov → My premiums → Premium details. Look for "Part B IRMAA" or "Part D IRMAA".

In the last two years, did any of these happen?

Tick all that apply.

How is your drug plan premium paid?
Any billing trouble with your current carrier?

Surprise refund checks, double charges, bills you can't reconcile.

Did Part B start later than Part A?

medicare.gov → account home → coverage start dates.

Your findings appear here as you answer. Nothing is sent anywhere; this page has no server.

What this is. General education about how Medicare costs and enrollment work, built from a real review that found $2,861 a year. It does not sell plans, collect your information, or tell you which plan to buy. The comparison that matters happens on medicare.gov with your own drug list.

What this is not. Licensed insurance advice, tax advice, or legal advice. For a free, licensed, unbiased counselor in your state, use the SHIP locator below. Figures cited are 2026 and change every year.

Companion tool to The $2,861 Medicare Mistake by Juanito Rodriquez. JR Cloud Technologies, St. Cloud, FL.

Medicare Plan Finder SSA: lower an IRMAA Form SSA-44 SHIP counselor locator How switching drug plans works