TRY A SAMPLE CASE
MECOS™ Interactive Readiness Demonstration
DEMO — NO PHI
2027 BENEFICIARY PLANNING · PROJECTIONS
Plan ahead for Medicare costs
Part B estimates are pending final CMS confirmation.
| Cost | 2026 confirmed | 2027 planning figure | Status |
|---|---|---|---|
| Part B standard monthly premium | $202.90 | $209.50 | Projected — not final |
| Part B annual deductible | $283 | $292 | Projected — not final |
| Part D maximum deductible | $615 | $700 | 2027 finalized; actual plan may charge less |
| Part D annual out-of-pocket threshold | $2,100 | $2,400 | 2027 finalized; covered Part D drugs only |
Agent guidance: Describe Part B figures as estimates when assisting beneficiaries. This reference does not change the active 2026 calculators or establish a beneficiary’s actual premium.
2027 Income-Related Monthly Adjustment Amount (IRMAA): Generally uses 2025 tax-return modified adjusted gross income (MAGI). Final 2027 brackets and surcharges are not loaded. The $109,000 individual / $218,000 joint thresholds and current estimator apply to 2026, not 2027. Verify Social Security’s determination, including any life-changing-event adjustment.
Sources: 2026 Medicare Trustees Report, Table V.E2 · Medicare Part D costs. Reviewed October 13, 2026. Recheck final CMS figures before confirming 2027 costs.
ENGINE 01 · EMPLOYER / MEDICARE
EDUCATIONAL PATHWAY IDENTIFIEDEmployer Coverage Readiness
Sample analysis outcome
Keep employer-primary coverage as the leading financial scenario while actively employed
The entered Medicare pathway may add approximately $115 to the employee’s annual cost. The employer plan also generally pays first while qualifying current employment continues.
Payer coordination: For an age-eligible active employee or spouse at an applicable employer with 20 or more employees, the group health plan generally pays first while that current-employment coverage remains in place. This payer rule does not replace the employee’s voluntary coverage decision.
Side-by-Side Educational Review
Remain on Employer Coverage
Review active-plan cost, benefits, prescription coverage, HSA implications and employer-plan coordination.
Evaluate Medicare Transition
Review Medicare eligibility, enrollment timing, Parts A/B considerations, prescription coverage and available Medicare coverage pathways.
NEXT WORKFLOW
Complete Medicare readiness screening
Enrollment timing, Social Security, IRMAA, plan verification and SSBCI are organized in Engine 02.
Illustrative cost figures are not a recommendation to leave employer coverage. Actual Medicare costs, plan benefits, eligibility, MSP status and enrollment rights must be verified for the individual situation.