Privacy Policy
Your Medicare and income data stays on your device.
We value the privacy of our users and understand the sensitive nature of income, tax, and Medicare information. This policy outlines our commitment to protecting your privacy while you estimate your Medicare costs.
Our Data Handling & Privacy Policy
Medicare Costs & IRMAA Calculator is a financial utility that helps you estimate your Medicare Part B, Part D, and IRMAA income surcharge. To protect your privacy, we adhere to strict data-handling practices:
- • Local Processing: All Medicare and IRMAA calculations are performed locally on your device. No income, tax, Medicare, or financial details are ever transmitted to or stored on our servers.
- • No Account Required: We do not collect your name, email, phone number, or any other personally identifiable information.
- • Third-Party Advertising: To keep this tool free, we use Google AdMob to serve ads. AdMob may collect anonymous device identifiers, IP addresses, and generalized location data to serve relevant advertisements. Users in regulated regions (such as the EU/UK and specific US states) will be presented with a Consent Management Platform (CMP) to manage these preferences.
- • Fraud Prevention: To protect our advertising partners from invalid traffic, we may process one-way hashed (anonymized) device tokens. This strictly ensures system integrity and cannot be reverse-engineered to identify you or tied to your specific income or Medicare inputs.
How the App Works
Medicare Costs & IRMAA Calculator uses the standard Medicare Part B and Part D premiums and the income-related monthly adjustment amounts (IRMAA) published by CMS and the Social Security Administration to estimate what you may pay — including whether your projected income pushes you over an IRMAA bracket. Your input data never leaves your device.
When you close the app or reset the calculator, all entered data is cleared. We do not maintain any databases or storage systems that contain your personal or financial information.
Legal & Accuracy Disclaimer
The estimates provided by Medicare Costs & IRMAA Calculator are for educational and informational purposes only. They are based on published Medicare premium and IRMAA figures, which change every year and depend on your modified adjusted gross income from your federal tax return, generally from two years prior. This app is not affiliated with, endorsed by, or operated by the Centers for Medicare & Medicaid Services (CMS), the Social Security Administration, or any government agency, and it does not constitute Medicare, tax, or financial advice. Always confirm your actual premiums and IRMAA determination with the official sources at Medicare.gov and SSA.gov, or consult a qualified professional. We are not responsible for any decisions made based on the app's results.
Use of Content
The Medicare Costs & IRMAA Calculator app and its tools are provided for your personal and non-commercial use only.
Warranty and App Updates
The app is provided "as-is" without any warranty. We may update the app from time to time to reflect new annual Medicare premium and IRMAA figures, improve estimate accuracy, or fix bugs. These updates will not change our core privacy commitment; we will never extract your income or Medicare inputs.
Changes to This Privacy Policy
We reserve the right to update this policy to clarify our practices or to comply with legal and App Store requirements. Any changes will be posted on this page. By using the Medicare Costs & IRMAA Calculator app, you agree to this privacy policy.
Contact Us
If you have any questions or concerns about our privacy practices, please contact us at:
[email protected]Thank you for trusting Medicare Costs & IRMAA Calculator.