Free Tools
Free Medicare tools: real data, no signup
Six guided tools that run on real public CMS data. Answer a couple of quick questions and get an instant, personalized read: plan counts, premiums, enrollment dates, penalties, and costs. Every one ends with a free report from a licensed local advisor, and every one is also a WebMCP tool an AI assistant can run for you.
Plan Finder
Rank every Medicare Advantage plan in your county by what matters to you.
Medicare Advantage Plan Explorer
See the Medicare Advantage plans in your county, ranked from real public CMS data.
Question 1 of 2
Free and no pressure. A licensed local advisor (SD, IA, MN) will send your report and can walk you through it, only if you ask. No spam, ever.
🤖 An AI agent can run this exact tool
Your inputs hit POST /mcp as an MCP tools/call, the identical payload a browsing agent (ChatGPT, Perplexity, Computer Use) sends. This tool is also registered in-page via navigator.modelContext and advertised at /.well-known/mcp.json.
Enrollment
Pin down the exact 7-month window so you never trigger a late penalty.
Medicare Eligibility Checker
Find your exact 7-month Initial Enrollment Period so you never pay a late penalty.
Question 1 of 2
Free and no pressure. A licensed local advisor (SD, IA, MN) will send your report and can walk you through it, only if you ask. No spam, ever.
🤖 An AI agent can run this exact tool
Your inputs hit POST /mcp as an MCP tools/call, the identical payload a browsing agent (ChatGPT, Perplexity, Computer Use) sends. This tool is also registered in-page via navigator.modelContext and advertised at /.well-known/mcp.json.
Income Surcharge
See whether your income adds an IRMAA surcharge to Part B and Part D.
IRMAA Surcharge Calculator
Find out if your income adds a surcharge to your Part B and Part D premiums.
Question 1 of 2
Free and no pressure. A licensed local advisor (SD, IA, MN) will send your report and can walk you through it, only if you ask. No spam, ever.
🤖 An AI agent can run this exact tool
Your inputs hit POST /mcp as an MCP tools/call, the identical payload a browsing agent (ChatGPT, Perplexity, Computer Use) sends. This tool is also registered in-page via navigator.modelContext and advertised at /.well-known/mcp.json.
Drug Costs
Estimate your yearly out-of-pocket under the Part D cap.
Drug Cost Estimator
The 2026 Part D cap limits what you pay for covered drugs to $2,100 a year. See where you land.
Question 1 of 2
Free and no pressure. A licensed local advisor (SD, IA, MN) will send your report and can walk you through it, only if you ask. No spam, ever.
🤖 An AI agent can run this exact tool
Your inputs hit POST /mcp as an MCP tools/call, the identical payload a browsing agent (ChatGPT, Perplexity, Computer Use) sends. This tool is also registered in-page via navigator.modelContext and advertised at /.well-known/mcp.json.
Part B Penalty
See the lifetime cost of enrolling in Part B late.
Part B Late-Penalty Estimator
The Part B penalty is added to your premium and never goes away. See what waiting really costs.
Question 1 of 2
Free and no pressure. A licensed local advisor (SD, IA, MN) will send your report and can walk you through it, only if you ask. No spam, ever.
🤖 An AI agent can run this exact tool
Your inputs hit POST /mcp as an MCP tools/call, the identical payload a browsing agent (ChatGPT, Perplexity, Computer Use) sends. This tool is also registered in-page via navigator.modelContext and advertised at /.well-known/mcp.json.
Part D Penalty
See the lifetime cost of going without creditable drug coverage.
Part D Late-Penalty Estimator
Going without drug coverage adds a permanent penalty to every future premium. See yours.
Question 1 of 2
Free and no pressure. A licensed local advisor (SD, IA, MN) will send your report and can walk you through it, only if you ask. No spam, ever.
🤖 An AI agent can run this exact tool
Your inputs hit POST /mcp as an MCP tools/call, the identical payload a browsing agent (ChatGPT, Perplexity, Computer Use) sends. This tool is also registered in-page via navigator.modelContext and advertised at /.well-known/mcp.json.
Built for the AI era
Every tool here is also agent-callable
Big Sioux Benefits exposes each of these tools over WebMCP, so when you ask ChatGPT, Perplexity, or a browsing agent about Medicare in the Sioux Falls area, it can run the actual plan finder and calculators, not just read a page. Discovery lives at /.well-known/mcp.json and /llms.txt; the endpoint is /mcp.
About these tools
Are these Medicare tools really free?
Yes. Every tool here is free to use with no signup or obligation. They run on real CMS Plan Year 2026 public data, and you can have a licensed Big Sioux Benefits advisor verify any result for free.
Can an AI assistant use these tools for me?
Yes. This site exposes its plan finder and calculators as WebMCP tools, so an AI assistant (ChatGPT, Perplexity, or a browsing agent) can run the same search you do and read the results. See /llms.txt and /.well-known/mcp.json.
How accurate is the plan finder data?
The plan finder ranks Medicare Advantage plans using CMS Plan Year 2026 Landscape data: premiums, star ratings, drug deductibles, and max out-of-pocket. It's an accurate snapshot for comparison, but plans can change at renewal, so confirm specifics with the plan and on Medicare.gov before you enroll.
Do I have to give my information to use the tools?
No. You can run every tool and see a full preview with no personal details. If you'd like the complete report emailed to you, you can enter an email, but it's optional, and the comparison is always free to view.
What's the 2026 Part D out-of-pocket cap these tools mention?
For 2026, Part D caps what you pay out of pocket for covered prescription drugs at roughly $2,100 a year. Once you reach it, covered drugs cost $0 for the rest of the year. Our drug-cost tool factors this cap into the estimate. (Verify current figures on Medicare.gov.)