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Medicare cost calculator: see what a procedure could really cost you.
Original Medicare covers 80% of most Part B services. This Medicare calculator shows the other 20%, the part that actually lands on your bill, so you can compare it against what a Medicare Advantage (Part C) plan would charge for the same care.
Run an estimate
Select a procedure to estimate your share of the cost.
Place of service
Billed at a physician office (non-facility)
to see your estimated out-of-pocket cost.
About these estimates
These numbers are very approximate. They’re meant to give you a general sense of scale, not a quote. Your actual cost depends on your specific plan, deductible status, provider, and where care is performed, and can differ quite a bit from what’s shown here.
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What this Medicare cost calculator shows you
Most Medicare calculators stop at “Medicare pays 80%.” This one focuses on the number that actually affects your budget: your share. Pick a procedure above and you’ll see an estimate of your out-of-pocket cost under Original Medicare, built from published 2026 Medicare figures or a specific, cited real-world source rather than a generic placeholder.
Is this a Medicare Part C (Medicare Advantage) cost calculator?
It’s a starting point for one. This tool shows what you’d owe under Original Medicare’s standard coinsurance, so you have a real number to compare against a Medicare Advantage (Part C) plan’s copay for the same procedure. Part C plans replace Medicare’s 80/20 split with their own copays, coinsurance, and annual out-of-pocket maximum, and those terms vary from plan to plan. A licensed Clutch City Insurance agent can pull the actual Part C costs for plans available in Houston and show you how they compare to what you see here, at no cost and no obligation.
Frequently asked questions
How accurate is this Medicare cost calculator?
These are estimates, not quotes. Your actual cost depends on your specific plan, deductible status, provider, and where care is performed, and can differ from what’s shown here.
Does this Medicare calculator include Medicare Advantage costs?
It shows Original Medicare’s standard coinsurance so you have a number to compare against a Medicare Advantage (Part C) plan’s copay. For the actual cost under a specific Part C plan, a licensed Clutch City Insurance agent can look that up for you.
See what a plan would actually cost you
A licensed Clutch City Insurance agent can compare the Medicare plans available in your area and show you what these same procedures would cost under each one, at no cost and no obligation.