Original Medicare (Parts A and B) generally does not cover routine dental, vision, hearing aids, or long-term custodial care. This worksheet totals the yearly out-of-pocket costs you might face in those gaps — useful when deciding whether a Medicare Advantage plan with extra benefits, or separate coverage, is worth it. Enter what you realistically expect to spend.
Estimates only, based on your entries. Some Medicare Advantage plans include dental, vision, and hearing benefits; a licensed agent can help you compare what's actually offered in your area.
For educational estimates only. This tool gives a general estimate based on the numbers you enter. It is not a quote, an application, or a determination of benefits, eligibility, or price. Nothing is stored from what you type here — the estimate is calculated in your browser.
Figures that change every year — such as the standard Part B premium, the Part D national base beneficiary premium, and IRMAA income brackets — are entered by you so the math always reflects the current year. Always verify current amounts at Medicare.gov or 1‑800‑MEDICARE.
Maru Insurance is not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Please contact Medicare.gov or 1‑800‑MEDICARE to get information on all of your options.
Licensed independent insurance agent (NPN 22261820) · WA & FL
Written and reviewed by Vadim Marusin, a licensed independent insurance agent. Maru Insurance is an independent agency (WA License WAOIC #1365574, FL License #G363233) representing multiple A-rated carriers across Washington and Florida.