The EFS agent toolkit for understanding, teaching, and planning every Medicare decision — with live calculators built on 2026 CMS figures.
Tap each block to add it to the coverage stack and learn what it does. Then flip between the two ways people build coverage.
Original Medicare is Part A + Part B, run by the federal government. Everything else — Part C, Part D, and Medigap — is sold by private insurance companies and builds on top of it.
Medigap (Medicare Supplement) plans are standardized by letter — the same letter means the same benefits from any company. Tap a plan to focus on it, then run a scenario to see what you would actually pay. All figures are 2026 CMS amounts.
Pick a health scenario. Bars show estimated yearly out-of-pocket (medical costs only — add the plan's monthly premium separately). Assumes Original Medicare + this Medigap plan, no IRMAA.
Coverage values match the CMS Medigap policy benefits chart. Plan C and Plan F are not available to people first eligible for Medicare on or after Jan 1, 2020. High-deductible Plan F and G require paying the first $2,950 (2026) before the policy pays anything. Plans K and L pay 100% after their out-of-pocket limit ($8,000 / $4,000 in 2026) and the Part B deductible are met. Premiums vary by age, gender, location, tobacco use, and company — none are shown here.
Enter a date of birth and a few quick answers. The timeline builds itself: enrollment windows, coverage start dates, Medigap rights, and countdowns.
Scroll sideways on small screens. ★ = 65th birthday · dashed line = coverage start.
Sign up before the birthday month and there's no gap. Sign up during or after it, and Part B starts the 1st of the following month.
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The needle shows today. Choose what your client has now to see what they can do today.
2026 premiums are based on the 2024 tax return. IRMAA is a cliff: $1 over a threshold triggers the full surcharge for the entire year.
For IRMAA, MAGI = Adjusted Gross Income (Form 1040, line 11) + tax-exempt interest (line 2a).
If a life-changing event reduced income, the client can ask Social Security to use a more recent year with Form SSA-44 and supporting documents.
Amounts are per person. Part D IRMAA is paid to Medicare, not to the plan, and applies to Medicare Advantage plans with drug coverage too.
Both penalties generally last for as long as the person has that coverage — they don't go away.
COBRA and retiree coverage don't count — enter the date active employment coverage ended.
Don't count months covered by a group plan based on current employment. 10% is added for each full 12-month period.
Cumulative extra cost over 20 years — illustrative, assumes the 2026 premium stays flat (it usually rises, so real cost is higher).
Applies after a gap of 63+ days in a row.
Penalty = 1% of the national base beneficiary premium ($38.99 in 2026) × uncovered months, rounded to the nearest $0.10. The base premium is recalculated each year, so the dollar amount can change. It's added to the plan premium for as long as the person has Part D.
Two ways to get your Medicare benefits. Neither is right for everyone — it comes down to doctors, travel, prescriptions, and how you like to pay.
Pick a scenario and see how cost exposure differs by path. Enter real premiums for the plans you're reviewing — none are pre-filled.
Illustration only. Actual costs depend on the specific plan, providers, and services. Original Medicare has no out-of-pocket limit. The MA column assumes cost-sharing similar to Original Medicare, capped at the plan's in-network maximum; real copays vary by plan.
Drag the slider to a year of drug costs. Once out-of-pocket spending hits $2,100, covered drugs cost $0 for the rest of the year. The old "donut hole" is gone.
Based on the 2026 standard benefit: deductible up to $615, then 25% coinsurance until $2,100 out-of-pocket. Actual plans vary — many use lower deductibles and flat copays.
An option to spread out-of-pocket drug costs into monthly bills instead of paying at the pharmacy counter. It doesn't lower the total — it smooths it.
Answer a few questions and follow the path. Every node lights up as you go.
Hidden automatically in Client Mode.
Tick as you go. Resets when the page reloads.