Medicare Cost Simulator

Estimate how Medicare Parts A, B, and D may cover common healthcare costs over time.

This is an educational estimator for Original Medicare-style cost sharing. You can edit all cost assumptions to match your client’s situation, local pricing, or your preferred planning assumptions.

1) Medicare setup

Include Part A Include Part B Include Part D Primary care is preventive ($0 under Part B if eligible)

Projection years

Medical inflation %

Monthly Part B premium ($)

Monthly Part D premium ($)

2) Annual care usage

Primary care visits / year

Avg cost per primary care visit ($)

Specialist visits / year

Avg cost per specialist visit ($)

Hospital stays / year

Average days per stay

Average total hospital cost per stay ($)

Monthly covered drug cost ($)

Other non-covered annual cost ($)

3) Rules used

Part B deductible ($)

Part B coverage % after deductible

Part A deductible per stay ($)

Part D deductible ($)

Part D user share % after deductible

Part D annual OOP cap ($)

Service	Annual Gross Cost	Medicare Pays	Client Out-of-Pocket	Coverage Rule Used

Educational use only. This does not quote a plan, does not account for all Medicare Advantage, Medigap, provider billing, IRMAA, non-covered services, or all formulary details. It is designed for planning conversations and client education.