Resources
Free Guides & Tools
Downloadable guides, calculators, and a free course — everything you need to understand Medicare and retirement planning, at no cost.
Medicare Guides
2026 Medicare Parts A & B / Medicare Supplement Guide
An eight-page overview of 2026 Medicare coverage and costs, with benefit tables for standard Medicare Supplement Plans F, G, and N. This is the 2026 edition, not a guide to 2027 costs.
Open 2026 PDFT65 Medicare Guide (PDF)
A clear walkthrough of what to expect as you approach Medicare eligibility at 65 — enrollment periods, plan types, and common mistakes to avoid.
Plan F is not available to people new to Medicare on or after January 1, 2020. Plan N can require up to $20 for some office visits and up to $50 for emergency-room visits that do not result in an inpatient admission. High-deductible versions of Plans F and G have different cost-sharing requirements. See Medicare.gov's Medigap coverage comparison.
Annuity & Retirement
For a deeper, dedicated look at retirement income and safe money planning, our retirement planning partner, Prosperity Services Group, is a great next step.
PSG Annuity Guide
How fixed indexed annuities work and how they can fit into a retirement income plan — in plain language, no jargon.
Tools & Calculators
Medicare Penalty & IRMAA Calculators
Estimate your Part B penalty, Part D penalty, and 2026 IRMAA surcharge with three free, dedicated calculators.
Open the Calculators →Medicare Calculators
Interactive tools to estimate Part D drug costs and compare Medicare Advantage vs. Medigap break-even points for your situation.
Use the Calculators →LearnMedicare Free Course
A free, self-paced educational course covering Medicare basics from start to finish — at your own speed, no cost.
Start the Course →In-Depth Guides
Prefer to read online instead of downloading a PDF? These free guides cover the same topics in more depth.
Frequently Asked Questions
Are these Medicare guides really free?
Yes — every guide on this page is free to download, with no obligation to enroll in anything or work with us.
Will I be enrolled in anything by downloading a guide?
No. Some guides open directly as PDFs; others are requested by email. Neither action enrolls you in an insurance plan. You'll only be enrolled in a plan if you choose to work with us and complete an application.
What's the difference between the T65 Medicare Guide and the PSG Annuity Guide?
The T65 Medicare Guide walks through what to expect as you approach Medicare eligibility at 65. The PSG Annuity Guide explains fixed indexed annuities and how they can fit into a retirement income plan.
What is LearnMedicare.org?
LearnMedicare.org is a free, self-paced educational course covering Medicare basics, built by our team — separate from any specific plan or carrier.