About Medicare Tools

Who builds Medicare Tools

Medicare Tools is built and maintained by TemplateTitanHQ, founded by a former Medicare insurance agent who sold for the major national carriers before building the tools full-time. The project grew out of that hands-on experience — the renewals that slipped, the commissions that came up short, the compliance you had to track by hand, and the hour spent digging through an Evidence of Coverage just to answer one client question. Every calculator and agent toolkit here exists to make that work faster and clearer, built by someone who actually did the job.

What we are — and what we're not. We build tools and reference material. We are not a licensed insurance agency, we do not sell insurance, and nothing on this site is financial, tax, legal, or insurance advice. We are not affiliated with or endorsed by CMS, SSA, the federal Medicare or Marketplace programs, or any insurance carrier. Our job is to get the numbers right and explain them in plain English so you can verify them yourself at the official sources below.

How we verify every figure

Medicare is a Your-Money-Your-Life topic: a wrong number can cost someone real money. So every dollar figure, date, bracket, and rule on this site is checked against a primary government source — never another blog, and never an AI's guess. Our standard:

• Primary sources only. Premiums, deductibles, and the drug-cost cap come from CMS and Medicare.gov; IRMAA brackets and the SSA-44 appeal come from SSA; MAGI comes from the IRS. Rule changes are traced to the Federal Register, not a summary of it.
• Dated and re-checked. Each page shows when it was last updated. We re-verify figures when CMS and SSA publish the new plan-year numbers (typically each fall for the following year).
• Calculators show their math. Our IRMAA and penalty calculators give estimates and tell you the inputs they used, so you can confirm the result against Medicare.gov / SSA.gov.
• We say when we're unsure. If a figure isn't final or depends on your specific plan, we say so and point you to where to confirm it — rather than presenting a guess as fact.

Our primary sources

These are the official sources we check, and the ones we encourage you to verify against directly:

Medicare.gov

The official U.S. Medicare site — plan rules, coverage, enrollment periods, and the annual cost figures.

CMS.gov (Centers for Medicare & Medicaid Services)

Sets and publishes the official annual Part A/B premiums, deductibles, the Part D drug-cost cap, and program rules.

SSA.gov (Social Security Administration)

Administers the IRMAA income-related surcharge and the SSA-44 life-changing-event appeal.

IRS.gov

Defines Modified Adjusted Gross Income (MAGI), the figure IRMAA brackets are based on.

Federal Register

The official source for finalized CMS rules (e.g. agent-compensation and marketing regulations).

Last full figure review: August 2026.

Corrections & contact

Found a figure that looks off, or a rule that's changed? Tell us and we'll verify and fix it — accuracy is the whole point of this site. Reach us through our TemplateTitanHQ shop on Etsy (message the shop), and see our Disclaimer & Terms and Privacy Policy for the legal details.

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