Your Medicare Choices, Weighed Before You Enroll
Doctors, prescriptions, monthly costs and enrollment dates all pull in different directions. Share the details that matter to you and get back a written breakdown of the choices open to you.
Weigh your optionsSix pieces of Medicare worth a close look before you pick anything
-
Part A hospital cover
Inpatient hospital stays, skilled nursing care after a qualifying stay, hospice and some home health visits.
-
Part B medical cover
Doctor appointments, outpatient care, lab tests, durable medical equipment and yearly preventive screenings.
-
Part D drug plans
Separate prescription plans, each with its own formulary, price tiers, pharmacy network and monthly premium.
-
Medicare Advantage
Private Part C plans that bundle Parts A and B, some with drug, dental or vision extras, inside one network.
-
Medigap supplements
Lettered supplement policies that pick up some of the out-of-pocket costs Original Medicare leaves with you.
-
Enrollment periods
Your Initial Enrollment window, yearly Open Enrollment and the Special periods that some people qualify for.
A low monthly premium is only one of the numbers that shape what Medicare costs you across a year
Deductibles, coinsurance, drug tiers and whether your doctor sits inside a plan's network all move the total. A plan that looks cheap in the listing can end up costing more once the year plays out, and the reverse happens just as often. Putting every number on one page is what a review is for.
Request a review-
When enrollment opens
Your first window spans seven months around your 65th birthday. Missing it can bring a late penalty.
-
Keeping your doctors
Original Medicare accepts any provider that takes it. Advantage plans keep you inside a set network.
-
Whether you need drug cover
Taking medication now, or soon, makes a Part D plan or an Advantage plan with drug cover worthwhile.
-
Changing your mind later
Plans can change each Open Enrollment. Medigap switches may bring health questions after six months.
From your first message to a finished review
-
1.
Share your situation
Tell me which doctors you see, the medicines you take and roughly when your Medicare start date falls.
-
2.
Hear back in writing
A reply lands in your inbox with notes on the plan types that suit what you shared, and nothing extra.
-
3.
Compare the options
Premiums, deductibles, drug tiers and doctor lists sit side by side so each trade-off is easy to spot.
-
4.
Enroll when it opens
Once you pick a plan, you get the enrollment dates that apply to you and a list of what to have ready.
Notes people sent back after their review
-
I sent a list of nine medicines and the two doctors I wanted to keep. The reply set two drug plans against each other and showed which one left less on my side of the bill.
Eileen ProsserFour months before Part B started -
I was sure the plan with the most extras was the one to take. The breakdown pointed out the network gap and a supplement turned out to be the better fit for how I use care.
Bernard HadleyTwo weeks into Open Enrollment -
My plan had crept up in price and I had no idea if switching was allowed. The reply listed the dates that applied to me and what to have ready, and the change went through.
Phil SturgisA year after first enrolling
What people ask before they send the form
No. This is a one-person website that helps you weigh Medicare choices. Enrollment itself always runs through Medicare or the plan's carrier, never through me.
Nothing. You send your details through the form and a written reply comes back. There is no charge for that reply and no obligation to enroll in anything afterwards.
The names of your doctors, a list of your medicines with doses, your Medicare start date if you know it, and any coverage you hold through a job or a spouse.
Yes. The plan you hold gets checked against the choices open to you at the next Open Enrollment. If it still fits, the reply says so and leaves it alone.
They go only into the reply written for you. Nothing is sold or passed to anyone else, and the privacy policy spells out how long they are kept.
- Part A hospital cover
- Part B medical cover
- Part D drug plans
- Medicare Advantage
- Medigap supplements
- Enrollment periods
Put Every Medicare Choice On One Page
Send the doctors you see, the medicines you take and your start date. A reply comes back with each trade-off marked out, and the decision stays yours.
Get Started