Free & Paid Tools — Live Now
Apply the Medicare decision framework to your specific situation — with educational outputs, not plan recommendations.
Explore the ToolsNo commissions. No plan recommendations. Education first.
Four Tools
Each tool is designed to educate — not to sell. No plan recommendations. No commissions. Just better information.
Ten questions — two per dimension — walk you through the five dimensions of the Medicare decision. Based on your answers, the assessment scores your profile, identifies your structural priorities, and flags potential risk areas.
Free results include your alignment profile and a dimension-by-dimension bar chart. Enter your email to unlock the full written analysis and a personalized next-step checklist.
What You'll Get Your structural alignment profile across all five dimensions, a bipolar bar chart showing your lean, and (after email) a written dimension-by-dimension analysis and personalized next-step checklist.
Monthly premiums are the wrong unit of analysis for this decision. Enter your local Medigap Plan G premium, your MA plan's out-of-pocket maximum, and a growth rate — and the model projects total costs across three health scenarios: consistently healthy, typical utilization, and a major health event.
Free results include scenario summary cards and an animated cumulative cost chart with break-even year. Email unlocks the full year-by-year breakdown table across all three scenarios.
What You'll Get 10-year totals for both paths across 3 scenarios, animated cumulative cost chart with break-even annotation, key finding summary, and (after email) a year-by-year printable table.
Enter your date of birth and see your complete Medicare enrollment timeline — your 7-month Initial Enrollment Period, your 6-month Medigap Open Enrollment window, and exactly when coverage would start depending on when you enroll.
Handles the "born on the 1st" special rule automatically. Shows a visual timeline with today's position marked, and calculates the permanent late-enrollment penalty if you've already passed your IEP.
What You'll Get Your exact IEP window, Medigap Open Enrollment dates, coverage start dates for each enrollment month, and a status-aware banner showing where you stand today.
Answer three short intake screens — your health profile, provider relationships, and financial picture — and receive a personalized report authored around your specific combination of factors. Not a generic score. A named, dated report you can print and bring to any conversation.
Your first dimension analysis and overall finding are free. The full report — all five dimensions, your state's underwriting reality, your exact enrollment timeline, personalized advisor questions, and the physician's commentary on your profile — unlocks after purchase.
Full Report Includes All five dimension analyses written for your profile · State-specific underwriting reality · Your IEP and Medigap window dates · 14 personalized questions for any advisor · Physician's note on your specific factors · Decision clarity rating · Printable format
More Coming
The four tools above cover the core decision. We're continuing to build — including a Flexibility & Underwriting Reality Check that maps your state's switching rules and a state-by-state Medigap rate comparison. Download the Decision Brief to stay informed as new tools launch.
Download the Free Decision Brief →Start Here
The complete five-dimension Medicare decision framework — 15 pages, plain language, no sales agenda. The right foundation before using any of the tools above.
Get the Brief Free →