Our Mission
MedicareCostGuide was created with a simple but important mission: to help American seniors and their families understand Medicare costs, coverage options, and enrollment strategies without the confusion and jargon that typically surrounds healthcare insurance. We believe that every person approaching Medicare eligibility deserves access to clear, accurate, and unbiased information.
Medicare is one of the most important benefits available to Americans over 65, but its complexity can be overwhelming. With four different parts, dozens of plan options, multiple enrollment windows, and costs that vary by income, location, and personal health needs, making the right decisions requires reliable information. That's exactly what we provide.
Every guide on MedicareCostGuide is built around real numbers — actual 2025 premiums, deductibles, copays, and coverage limits published by the Centers for Medicare & Medicaid Services (CMS). We don't use vague estimates or outdated figures. We believe that specific, current data empowers better decision-making.
About Dr. Patricia Wells
Dr. Patricia Wells serves as the editorial lead and primary researcher for MedicareCostGuide. With 12 years of experience analyzing Medicare costs, coverage gaps, and enrollment strategies, she brings deep expertise to every guide and calculator on this site.
Dr. Wells's work focuses on translating complex Medicare regulations and cost structures into practical guidance that seniors and their families can actually use. Her research covers all aspects of Medicare — from Part A hospital costs to Part D drug coverage phases, Medigap supplement pricing, and Medicare Advantage plan comparisons.
Her approach emphasizes evidence-based analysis using primary sources including CMS data, Medicare & You handbooks, KFF research, and state-level insurance department publications. Every recommendation reflects current rules and costs, with annual updates to maintain accuracy.
Dr. Wells is committed to editorial independence. The guides on MedicareCostGuide represent her best professional judgment about how to present Medicare information, uninfluenced by pharmaceutical companies, insurance carriers, or advertising partners.
How We're Funded
MedicareCostGuide is funded through display advertising via Google AdSense. These ads appear alongside our content and generate the revenue needed to maintain and update the site. Our advertising relationships do not influence our editorial content in any way.
We do not accept sponsored content, paid placements, or commissions from insurance companies. When we mention specific insurance companies or plans, it is based on publicly available data about pricing, ratings, and coverage — not because of any financial relationship.
This editorial independence is essential for maintaining the trust of our readers. Medicare decisions have significant financial implications, and we take our responsibility to provide unbiased information seriously.
Editorial Standards
Every piece of content on MedicareCostGuide adheres to strict editorial standards designed to ensure accuracy, clarity, and usefulness. Our guidelines include using only primary sources (CMS, Medicare.gov, federal regulations), providing specific cost data rather than vague ranges, annual review and updates of all content, clear disclaimers that our content is educational and not a substitute for professional advice, and transparent disclosure of our funding model.
We also commit to correcting errors promptly. If you find information that appears inaccurate or outdated, please contact us and we will investigate and update as needed.
Written by
Dr. Patricia Wells
Medicare Benefits Researcher
Dr. Wells has spent 12 years analyzing Medicare costs, coverage gaps, and enrollment strategies to help seniors and their families make confident coverage decisions without overpaying.