The Medicare Toolkit
A few plain-language tools to help you think through timing, penalties, and enrollment windows — built to educate, not to replace a real conversation with a licensed advisor about your specific situation.
Medicare Guides
A full library of plain-language guides covering how Medicare actually works.
Browse guides ↗Medication & Doctor List
Build an accurate, printable list of medications, dosages, and prescribing doctors.
Build Your Med List ↗SEP Qualifier
A few quick yes/no questions to see if a Special Enrollment Period might apply to you.
Check My Eligibility ↓Will I Pay a Penalty? Wizard
Answer a few questions about your work and coverage situation for plain-language guidance.
Get My Guidance ↓Penalty Estimator
Estimate a Part B or Part D late enrollment penalty based on your own timeline.
Estimate My Penalty ↓Turning 65 Calculator
Enter your birth month to see your exact enrollment window and add it to your calendar.
Save the Date ↗Emergency Info Card Builder
Build a compact card with the essentials someone would need in an emergency, at a glance.
Be Prepared ↓Caregiver Checklists
Interactive, tap-to-check checklists for a recent retirement or helping a parent with Medicare.
Check the List ↗Signs It Might Be Time for More Support
A gentle, non-diagnostic checklist to help organize what's worth mentioning at the next doctor's visit.
Take the Check-In ↓Could You Qualify for a Special Enrollment Period?
Answer yes or no to each question below. This doesn't calculate anything or make an eligibility determination — it's simply a starting point for a conversation with a licensed advisor.
"Will I Pay a Medicare Penalty?" Wizard
A guided walk-through of your work and coverage situation. This gives plain-language guidance only — no dollar amounts, no legal conclusions. Your specific situation should always be confirmed with a licensed advisor.
Medicare Late Enrollment Penalty Estimator
Step 1: choose which penalty you'd like to estimate. This tool gives an educational estimate based on the information you enter — it isn't an official calculation, and Medicare makes the final determination.
This penalty is generally added to the Part B premium for as long as the person has Part B — it isn't a one-time fee.
This is an estimate for educational purposes only. Individual circumstances — including Special Enrollment Period eligibility — can change this outcome, and Medicare makes the final determination. Based on the 2026 standard Part B premium of $202.90/month, which changes annually.
This penalty is generally calculated as 1% of the Part D national base beneficiary premium for each full month without creditable coverage, and is added to the Part D premium for as long as the person has Part D.
This is an estimate for educational purposes only. The dollar impact depends on the national base beneficiary premium in effect when the penalty applies, which Medicare recalculates every year — your advisor can walk through the current amount with you. Medicare makes the final determination.
Emergency Info Card Builder
A compact card for a wallet, a fridge, or a phone's lock screen — the essentials someone would need in an emergency, at a glance. If you've already built a medication list on this site, we'll pull in the name and date of birth automatically.
For what a first responder can see without unlocking your phone, also set up your phone's built-in feature — this card and contact are a great backup, but they're not the same thing.
Setting it up (one time, phone unlocked): Open the Health app → tap the small icon in the top-right corner just to open your profile (it's only a button — you're not reading anything off of it) → Medical ID → Edit → turn on "Show When Locked."
What a first responder actually sees: from the lock screen, tap "Emergency" → tap "Medical ID" — this opens a normal, full-screen list of plain text: your name, conditions, allergies, medications, emergency contacts. It's not a picture or a shrunken card — just regular, full-size readable text, the same as any settings page.
Android: Settings → Safety & Emergency (naming varies by phone) → Medical info → turn on "Show on Lock Screen." Same idea — a plain text screen, accessed from a labeled "Emergency information" option right on the lock screen.
💡 Save to Contacts adds it as an "ICE" entry your phone can find fast — worth pinning near the top of your contacts list.
🔒 For the version a first responder can see without unlocking your phone at all, see "Setting it up" above — that's your phone's own Medical ID / Emergency Info feature, and it's a different (and important!) step from these three buttons.
Signs It Might Be Time for More Support
A gentle checklist, not a diagnosis. Check anything that's felt true lately — this simply helps organize what's worth mentioning at the next doctor's visit.
These tools are a starting point, not a substitute for a real conversation. A PharmSurance advisor can walk through your exact situation with you, at no cost.
Talk to an Advisor →