Healthcare
Model Medicare, Medigap, retiree supplements, and government coverage
Choose the combined arrangement that matches each person’s actual Medicare coverage.
When this applies
Use this for Original Medicare, Medigap, employer retiree coverage, Medicare Advantage, FEHB, TRICARE for Life, VA, or Medicaid assistance.
Where to enter it
Portfolio > Scenario Editor > Annual Spending > Medical > Confirmed coverage decisions
How to enter it
- Choose Original Medicare only, Original Medicare + Medigap, Original Medicare + retiree supplement, Medicare Advantage, or the applicable government arrangement.
- Enter the combined gross premium and expected out-of-pocket cost for the arrangement.
- Enter employer/government contribution separately and mark Medicare applies when appropriate.
- Do not combine Medicare Advantage with Medigap.
How YARCalc uses it
- Part B and income-related adjustments are added when the arrangement says Medicare applies.
- IRMAA uses modeled MAGI lookbacks and reference-data brackets.