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Medicare Cost Analysis
Between premiums, deductibles, copays, coinsurance, and drug costs, total Medicare expenses vary wildly by plan. We calculate your true annual cost across every option so there are no surprises.
Total Cost CalcPremium vs OOPDrug Cost AnalysisAnnual Projection
$0
Cost
6+
Carriers
12
Cities
5.0
Rating
HumanaAetnaUnitedHealthcareCignaWellcareBlueCrossDevotedAnthemWellPointMolinaHumanaAetnaUnitedHealthcareCignaWellcareBlueCrossDevotedAnthemWellPointMolina
What's Included
Know Exactly What Medicare Will Cost You
- Calculate total annual cost per plan option
- Compare premiums against out-of-pocket maximums
- Factor in prescription drug costs by formulary
- Account for IRMAA surcharges if applicable
- Project costs for typical and worst-case scenarios
The Difference
Without Us vs. With Us
On Your Own
✗ Focus only on monthly premium
✗ Ignore out-of-pocket maximums
✗ Drug costs are a surprise
✗ Don't plan for worst case
With Tru-Blue
✓ Total annual cost calculated per plan
✓ Premium + OOP + drugs = true cost
✓ Drug costs modeled with your meds
✓ Best and worst case scenarios shown
FAQ
Questions About Cost Analysis
Why is the cheapest premium not always the best plan?
A $0 premium plan might have high copays and drug costs. A plan with a $50 premium might save you $2,000/year on medications. We calculate the total.
What is IRMAA?
Income-Related Monthly Adjustment Amount — a surcharge on Part B and D premiums if your income exceeds certain thresholds.
★★★★★
"They showed me my $0 premium plan was actually costing $3,200/year in copays. Switched to a $35/month plan and saved $1,800 overall."
William K. — Fort Lauderdale
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