Terms of use

Demonstration site

This is a fictional demonstration website built to show design and engineering work. Quiet Giant Medicare is not a real company, the advisors and stories are invented, and nothing here is insurance advice or an offer of coverage. For real Medicare information go to medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, 24 hours a day, 7 days a week.

Nothing on this site constitutes an offer of insurance, a quotation, or a representation that any plan described is available to you. The named advisors, the office address, the telephone number, the client stories and the firm itself are invented for the purposes of a design and engineering demonstration.

Using this site

You may read, print and share these pages. You may not scrape them at scale, republish the text as your own, or present the calculators as a licensed tool. The design, the code and the writing are the property of the studio that built them.

The eligibility calculator and the penalty illustrator run entirely in your browser. They send nothing anywhere and store nothing.

Nothing here is advice

The pages on this site are general information about how the Medicare programme is structured. They are not insurance advice, tax advice, legal advice or medical advice, and no relationship of any kind is created by reading them.

Medicare rules interact with employment, immigration status, marital history, veterans' benefits, Medicaid eligibility and state regulation in ways that a general page cannot anticipate. Before you act, confirm your own position with the Social Security Administration, with Medicare, with your State Health Insurance Assistance Program, or with a licensed advisor who has your details in front of them.

Medicare disclosures

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Quiet Giant Medicare is not connected with or endorsed by the United States government or the federal Medicare program. Enrollment in a plan depends on the plan's contract renewal with Medicare. Plan availability, benefits, formularies, provider networks, premiums and cost sharing vary by county and change on 1 January each year.

For complete information about every option available to you, contact Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, 24 hours a day, seven days a week.

Accuracy and figures

We have deliberately not printed the Part B premium, the IRMAA brackets, the Part A deductible, the Part D out-of-pocket cap, the maximum Advantage MOOP or the Medigap Plan K and L limits as current facts. CMS resets all of those annually, and a figure written here would be wrong within months.

Where a number is fixed in statute or in the standardisation — the seven-month Initial Enrollment Period, the 63-day creditable coverage gap, the 1% per month Part D penalty, the 10% per year Part B penalty, the Plan N copay caps of $20 and $50, the $50,000 foreign travel lifetime maximum — we state it plainly.

Liability

This site is provided as it is, without warranty of any kind. To the fullest extent the law allows, neither the studio that built it nor anyone associated with it is liable for any loss arising from reliance on it. Because this is a demonstration, that limitation is not a formality — it is the point.

Governing law

These terms are governed by the laws of the State of Wisconsin, without regard to conflict of laws principles.