Let us work out where you stand

What this will do

• Work out every Medicare enrolment window that applies to you, from your date of birth.
• Find your county from your ZIP code, and ask you which one if your ZIP covers more than one.
• Check your prescriptions against the National Library of Medicine's drug list.
• Lay out the Advantage against Original Medicare decision both ways, with the real trade-offs.
• Hand all of it to a licensed agent, with your permission, in writing.

What it will not do

• Quote you a premium. There is no public Medicare plan pricing service. Any website that shows you a Medicare Advantage premium without asking a carrier is either using private data or making it up, and we will not pretend otherwise.
• Ask for your Social Security number. Ever.
• Ask for your Medicare number. An agent needs that only at the point of a real enrolment.
• Send anything anywhere. This is a demonstration.

Where your answers live

In this browser tab, and nowhere else, until the last step. Closing the tab erases them. You can leave and come back within the same session and pick up where you stopped, and every step has its own web address so the Back button works properly.

You have a review in progress. Carry on where you left off, or clear it and start again.

When were you born?

Where are you with Medicare today?

If any of those are unfamiliar: Part A is hospital cover, Part B is doctors and outpatient care, Medicare Advantage is the private alternative to both, and Medigap is the supplement that fills what Original Medicare leaves.

Are you still working?

What that means for you

Your ZIP code

Do you live in two places?

This is not small talk. It is the single most common reason somebody regrets an Advantage plan, because the network is in one county and they spend January in another state.

Your name and how to reach you

Is anyone else on this decision?

Doctors, hospitals and anything we should know

Add a prescription

What you have listed

Nothing listed yet.

Which of these are true of you?

Tick as many as apply, or none. Nothing here decides anything on its own.

The two roads, side by side

If you go the supplement route, the letters are fixed by law

A Medigap policy is standardised in federal law, so Plan G from one company covers precisely what Plan G covers from another. Only the premium and the service differ. That is why this table can be exact while a premium cannot.

Which way are you leaning?

What are you willing to hear about?

Medicare's own rule is that an agent may only discuss the kinds of plan you agreed to. This list is modelled on the CMS Scope of Appointment form. It is not that form and it is not filed anywhere.

Your agent

The consent

You may withdraw this at any time by emailing [email protected].

What is recorded when you sign

Everything, listed. There is nothing collected that is not on this list, and there is no hidden fingerprinting of your device.

Recorded by our server, which you cannot change and we cannot edit

• The IP address your browser connected from
• The country, region, city, postal area and time zone Cloudflare associates with that address
• Your network’s ASN and the name of the company that operates it
• Which of Cloudflare’s data centres took the request, the HTTP version and the TLS version
• Your browser’s User-Agent and Accept-Language headers, and the page you came from
• The date and time the request arrived, on our clock, in UTC

Reported by your browser, and marked as such in the record

• Your local date and time, your time zone and your offset from UTC
• Your browser’s language settings
• Your platform, and the browser brands it reports
• Your screen size, your window size and your pixel ratio
• Whether you have asked for reduced motion, and whether you are in light or dark mode
• The page you landed on, the page you are on and the page you came from
• How long you spent on each step, and how long the whole thing took

Recorded about the signature itself

• The exact text you agreed to, its version, and its SHA-256 hash
• Whether you drew the signature or typed it
• The number of ink pixels in it and the size of the box
• The SHA-256 hash of the signature image. The image itself stays on this device

Deliberately not collected

• No canvas, WebGL or audio fingerprint
• No font enumeration, no plugin list, no battery or sensor readings
• No cookies, no advertising identifiers, no third-party scripts of any kind
• No Social Security number and no Medicare number. This flow never asks for either

Sign it

The attestation

Sign it a second time

Your record

Everything that was assembled, including the parts our server observed rather than your browser reported, and both signature images. It is built on this device and saved by your browser. Nothing was stored on any server.

What we would do next

• Read your prescriptions against the formularies of the plans available in your county.
• Check every doctor you named against those plans' networks, one at a time.
• Work out what your windows actually allow, and in what order to do things.
• Call you, and say plainly which option we think is wrong for you and why.