Four calculators and a handful of guides, built to answer one question: what does this plan actually cost you?
Most Medicare Advantage marketing leads with the premium. This site starts with the total, premium plus Part B plus what you're likely to spend on care, because that number is the one that matters when you compare plans.
Medicare Advantage paperwork is written for compliance reviewers, not for the person deciding between two plans at the kitchen table. We built calculators that take your own numbers, run the same addition Medicare itself uses for the out-of-pocket cap, and show the total rather than making you do the arithmetic by hand.
Naomi Foster leads the health coverage on this site. She spent close to a decade as a registered nurse before moving into healthcare writing, and her articles focus on the gap between what a plan's summary implies and what the actual coverage rules say once you need care. Every guide she publishes here is checked against CMS and Medicare.gov before it goes live.
Dollar figures on this site, the Part B premium, the out-of-pocket maximum ceiling, Part D caps, come from the current year's CMS release, cited and dated on our 2026 Cost and Enrollment Reference page. When CMS updates a figure, we update the page it lives on rather than leaving last year's number in place.
We don't accept paid placement for particular plans or insurers. Some links on the site are affiliate links, and following one may earn us a commission; it has no bearing on which plan or provider gets mentioned first in an article.
MedicareAdvantageExplained is an educational resource. It is not connected with or endorsed by Medicare, CMS, or any government agency, and nothing here is insurance advice. Confirm plan-specific details at Medicare.gov or with a licensed agent before you enroll.