Medicare & IRMAA Planning
A year-by-year Medicare IRMAA projection mapped to your income plan, a Medigap-vs-Medicare-Advantage recommendation for your situation, and an enrollment deadline calendar.
$49 per service. Comparable analysis elsewhere: $300–$600.
Got your results? Now just ask WarrenBeta.
Warren has your Medicare & IRMAA Planning results and explains them in plain, simple English. Ask it anything — what a number means, what changed, what to look at next — and get a clear answer, on demand. No jargon, no judgment, no appointment.
Free with your account, and it gets more generous the more services you use. Warren explains your numbers — it doesn't tell you what to buy or do. You decide.
Ask Warren provides general educational information about your own inputs and results and does not constitute personalized investment, tax, legal, or insurance advice, or a recommendation to buy or take any action. Warren can make mistakes — verify important details and consult a licensed professional before making decisions.
What you get
Medicare’s income surcharges (IRMAA) are set by your income from two years ago — so today’s Roth conversion, RMD, or capital gain quietly sets your premium two years out, and crossing a threshold by one dollar buys a full year of surcharges. This analysis projects your MAGI and IRMAA tier year by year to age 85, flags every cliff-alert year with the exact income lever available (QCD, conversion cap, gains deferral), checks whether a life-changing event qualifies you to appeal your surcharge (Form SSA-44), builds your complete enrollment timeline with any late-enrollment penalty in dollars, calculates your HSA contribution cutoff around the 6-month retroactive Part A rule, and recommends a coverage TYPE — Medigap or Medicare Advantage — from your travel, provider, health, and cost preferences.
Why it matters
Medicare planning is the service financial advisors refer out and insurance brokers sell around. The enrollment windows are unforgiving — a blown Special Enrollment Period means a permanent premium penalty — and the IRMAA cliffs turn one dollar of extra income into a full year of surcharges.
What’s delivered
A personalized report: your IRMAA tier projection table to age 85 with cliff-alert years, a per-year income management plan, your enrollment deadline calendar with any penalty exposure in dollars, your HSA cutoff date, an IRMAA appeal assessment, and a plan-type recommendation with honest cost ranges. Educational analysis only — no carrier or specific plan is ever recommended.
What we’ll need from you
A short interview: your date of birth, current coverage, estimated MAGI, income plans (conversions, RMDs, capital gains), Social Security and pension, prescription list, provider preferences, and any recent life events. No documents to upload.
Dversify provides educational financial-analysis tools and does not provide personalized financial, legal, or tax advice. Figures shown are illustrative estimates based on the information you provide.