Know Your Numbers Before You Decide
Use these free tools to estimate your life insurance coverage needs and understand the real cost of missing your Medicare enrollment window.
Life Insurance Needs Analysis
Estimate how much coverage your family needs
This calculator provides an estimate only and is not a guarantee of coverage or benefits. Consult with Mechelle Fitzpatrick for a personalized analysis.
Medicare Late Enrollment Penalty
See how much a delayed enrollment could cost you
If you don't enroll in Medicare Part B or Part D when first eligible, you may owe a permanent late enrollment penalty added to your monthly premium for as long as you have Medicare.
Months without Part B after eligibility
Months without Part D after eligibility
Standard 2026 premium: $202.90/mo
Enter your plan's monthly premium
Penalty estimates are based on current CMS guidelines and are for educational purposes only. Actual penalties are determined by Medicare. Contact Mechelle for a personalized Medicare review.
Ready to turn these numbers into a real plan?