Free calculators and checks
Each one takes a few minutes and answers one question. Nothing you type is stored or sent unless you choose to send it to me.
Every calculator and check on this site, in one place. For Medicare: a plan finder, the plans in your county by ZIP code, whether you can change your plan now, the IRMAA income surcharge, the late enrollment penalty and Medigap rates. For Social Security: what claiming at 62, full retirement age or 70 pays. For home, auto and business insurance: gap checks and whether a claim is worth filing. They're free, there's no sign-up, and nothing you type is sent unless you choose to send it.
Medicare
Medicare plan finder
Eight questions narrow the plan types worth pricing in your county and show which carriers your hospital system lists.
Start the finder →Plans in your county, by ZIP code
Every 2027 Medicare Advantage plan sold in six Capital Region counties, with a link to each plan on Medicare.gov.
Find your county →Can I change my plan now?
A few questions tell you which enrollment window applies to you today, and when the next one opens.
Check my window →IRMAA calculator
Your filing status and income from two years ago give your Part B premium and the Part D surcharge.
Work out IRMAA →Late enrollment penalty calculator
Months without Part B or drug coverage give the monthly Part B and Part D penalty, and how to avoid it.
Work out the penalty →Medigap rates
Every carrier’s 2026 Plan G, Plan N and high-deductible G premium in the Albany region, from New York DFS data.
See the rates →Social Security
Home, auto and business
Coverage gap check
Twelve questions on home, auto, umbrella, life and disability, with the gaps ranked and a plain-English fix for each.
Check my coverage →Should I file this claim?
Nine questions: file it, pay it yourself or call first, with New York surcharge rules, no-fault deadlines and the deductible math.
Decide on a claim →Business gap check
Twelve questions for New York small businesses on the coverage contracts, landlords and the state require.
Check my business →A calculator gives a number; it can't see your doctors, your prescriptions, your spouse's record or the policy you already have. If you'd like me to go through yours, book a call. There's no fee for Medicare or Social Security help.
We do not offer every plan available in your area. Currently we represent 10 organizations which offer 81 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. 1-800-MEDICARE (TTY 1-877-486-2048) is available 24 hours a day, 7 days a week. Insurers' legal names and home offices: carriers page.
Let's talk it through
A phone call or a message is all it takes. The first conversation is just a conversation.