Answer a few questions to get a personalized starting point — then talk to a licensed independent advisor who can compare the actual plans available in your ZIP code.
Created by Cindy Kowalski — an independent Medicare advisor who compares plans from multiple carriers, not just one.
Takes just 2–3 minutes • Independent advisor • No obligation
Your enrollment timing affects your plan options and eligibility for certain Medigap protections.
Medicare Advantage plans use networks, while Medigap plans let you see any doctor accepting Medicare.
With Medicare Advantage, routine care is generally limited to your plan's network and service area, although emergency and urgently needed care are covered nationwide. Medigap plans work with any Medicare-accepting provider anywhere in the U.S.
Consider both monthly premiums and potential out-of-pocket costs when you need care.
Your health status and expected medical needs can impact which plan type works best for you.
Medicare Advantage often includes drug coverage, while Medigap requires a separate Part D plan.
Some Medicare Advantage plans include these extras, while Medigap plans typically don't. Benefit availability and scope vary by plan and location.
Some Medicare Advantage plans require referrals to see specialists, and many require prior authorization for certain services. Original Medicare generally has very few such requirements.
Medicare Advantage plan benefits, networks, and costs can change each year. Medigap plan benefits are standardized and generally remain consistent, though premiums may change.
This helps us fine-tune your recommendation to what matters most to you.
This helps us give you the most relevant guidance for where you are right now.
• Whether your specific doctors are in-network
• If your prescriptions are covered (and at what cost)
• Which actual plans are available in your ZIP code
• What the real numbers look like for YOUR situation
• If you're eligible for programs that could lower your costs
This quiz gave you a starting direction. But choosing a Medicare plan based on a quiz is like choosing a house based on "Do you prefer 2 or 3 bedrooms?"
You wouldn't buy a house without seeing it first. Don't choose Medicare coverage without talking to an expert who can show you the actual options available in your ZIP code.
Want to retake the quiz? No problem.
A quiz points you in a direction. A licensed independent advisor can actually verify your doctors, check your prescriptions, compare every plan available in your ZIP code, and make sure you're not leaving money on the table.
Seriously, what do you have to lose?
A free conversation with an independent advisor could save you thousands of dollars and prevent coverage mistakes you can't undo.
Licensed independent advisor • Not tied to any insurance company • Why choose Eligry?
Want to retake the quiz? No problem.
This tool provides general educational guidance based on your answers and does not constitute professional insurance advice. Medicare plan selection is a complex, individualized decision that depends on your specific healthcare providers, prescription medications, local plan availability, and complete financial picture. Speaking with a licensed Medicare advisor is recommended if you'd like personalized guidance and help comparing plans available in your area. Eligry LLC recommends consulting with a licensed advisor before making any Medicare enrollment decisions.