Free tools for Medicare agents
Fast, accurate utilities you can use mid-call. No signup, no email, no limits.
Nothing you enter leaves your browser — every calculation runs on your device
Type what you know
A date of birth. When coverage started or ended. That’s it — no jargon required.
We derive the rest
Enrollment periods, uncovered months, and the exemptions that mean nothing is owed at all.
Read it to your client
A plain-English script, the full derivation, and a copyable summary for the file.
Penalty calculators
What a late enrollment actually costs — with the full derivation your client can check.
Part B Late Enrollment Penalty Calculator
Enter a date of birth and we derive the enrollment period, the uncovered months, and exactly what the penalty costs — monthly, yearly, and over a lifetime.
e.g. enrolling 57 months late → $81.20/month added — permanently
Try it nowPart D Late Enrollment Penalty Calculator
Applies the 63-day rule, screens for Extra Help and the age-65 reset, and tells you when the penalty is worth appealing.
e.g. 18 uncovered months → $7.00/month for life — and it can be appealed
Try it nowCombined Medicare Penalty Calculator
Enter the client history once and see Part B and Part D together — with the combined lifetime cost that actually moves a decision.
e.g. the same history → $103.40/month across both parts
Try it nowEnrollment & income tools
The questions that come before the penalty: when they can enrol, whether old coverage counted, and what their income adds.
Enrollment Period Finder
Enter a date of birth and a situation; get every window they qualify for, with exact deadlines and coverage start dates.
e.g. turning 65 in October → 2 windows open now, next deadline 215 days out
Try it nowCreditable Coverage Checker
Walk through whether prior coverage counted — the question that decides whether a penalty applies at all.
e.g. COBRA: can count for Part D, does nothing for Part B — two answers at once
Try it nowIRMAA Estimator
Income-based Part B and Part D surcharges, the two-year lookback, and the life-changing-event appeal path.
e.g. $145,000 income → $240.40/month on top — $2,885 a year
Try it nowThese tools are the free part
MedicareCopilot is the platform behind them — CRM, AI plan comparison, quoting, enrollment, compliance, and commission tracking, purpose-built for Medicare agents.
Why we built these
Every free Medicare penalty calculator we could find asks the agent to do the hard part first — work out the Initial Enrollment Period, count the uncovered months, and remember the edge cases — and then just multiplies for you.
Ours work the other way round. You enter what you actually know: a date of birth and when coverage started or ended. The tool derives the enrollment periods, counts the months, screens for the exemptions that mean no penalty is owed at all, and shows every step of the arithmetic so you can defend the number in front of a client.
They are free, they require no account, and nothing you type is ever sent to us.
Important information
These tools produce estimates only, based on published CY2026 figures. They are not official determinations. Official premium amounts, penalty assessments, and eligibility decisions are made by the Social Security Administration and the Centers for Medicare & Medicaid Services.
MedicareCopilot is not affiliated with or endorsed by CMS, Medicare, the Social Security Administration, or any government agency. We do not sell, recommend, or enroll anyone in Medicare plans. This is software for licensed insurance agents.
Nothing here is medical, legal, or tax advice. Enrollment rules and cost figures change at least annually — figures on these pages were last verified 2026-07-27 against CMS and SSA sources.