Effective date: September 24, 2026

Terms of use

By using FreeMedicareTools.com, you agree to these terms. They are short, and written in plain English.

1.Educational use only

The tools and pages on this site are for education. They are not legal, tax, medical, or official benefits advice.

2.No enrollment, no obligation

This site does not enroll you in any plan. You are never required to request a consult.

3.Estimates, not guarantees

The tools use published 2026 figures, which can change. Results are estimates only, and we do not guarantee that they are accurate or complete for your situation. Confirm anything important with Medicare.gov, 1-800-MEDICARE, or Social Security.

4.Not a government website

We are not affiliated with the U.S. government, the Centers for Medicare & Medicaid Services (CMS), or Medicare.

5.No agent–client relationship

Using this site, or emailing us, does not create an agent–client relationship.

6.Provided “as is”

The site is provided “as is,” without warranties of any kind. To the fullest extent the law allows, we are not liable for any loss or damage that comes from using the site or relying on its results.

7.Changes and contact

We may update these terms. When we do, we will change the effective date at the top. Questions? Email hello@freemedicaretools.com.