Default medical out of pocket expenses after 65 are estimated using national averages provided by Medicare.gov assuming “Excellent” health. Having or planning to get Medicare supplemental insurance assumes the low premium Medigap policy with drug coverage plan.
PlannerPlus subscriber medicare estimates are state-specific. Additionally, PlannerPlus users can model different policy, health, and premium level options to more accurately estimate medicare expenses. Income Related Monthly Adjustment Amounts (IRMAA) are factored into Part B and Part D premium calculations for high-income PlannerPlus users, appropriately.