Most Medicare confusion disappears once you can see the actual numbers. These tools are free, take 60 seconds, and require nothing but your honest answers. No account, no email gate to use them.
Answer 8 questions and find out whether a Supplement, an Advantage plan, or something else fits your situation best.
Take the quiz → Decision tool · 3 minutesUse during Annual Enrollment (Oct 15 – Dec 7) to decide if your current plan still makes sense for next year.
Walk me through it → Article · 6 min readThe two most popular Medigap plans, compared side-by-side with real numbers, not marketing brochures.
Read the comparison →Enter your birth month and we'll show you exactly when you can enroll, switch, or make changes.
Check my dates → Calculator · 30 secondsIf you delayed signing up, you may owe a permanent monthly penalty. See exactly what it adds up to over time.
See my penalty → Calculator · 1 minuteHigher-income retirees pay extra for Medicare Parts B and D. Find out if you'll owe IRMAA and how much.
Estimate my IRMAA →The tools are a great starting point, but every situation is different. A short call covers what a calculator can't.
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