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Choose a carrier



Choose your regional carrier



{{view_plcy.policy_type}}{{view_plcy.is_rx_included?' + pharmacy':''}}
{{view_plcy.policy_id}}
#{{view_plan.ranking_score}}
For your expected needs

{{view_plcy.overall_cms_star_rating_year||current_year}}
Star Rating*

★★★★★★★★★★

Plan is too new to be measured 

{{view_plcy.policy_name}}

Included coverages

*Each year Medicare evaluates plans based on a 5-star rating system.

Coverage from
{{policy_start | ui-date('Jan 1, 2000')}} — {{policy_end | ui-date('Jan 1, 2000')}}
({{(policy_months<12?'about ':'')+policy_months}} months)

This information is not a complete description of benefits. Call {{view_plcy.phone_number}} TTY: 711 for more information

The Highlights


Medicare Star Rating

★★★★★★★★★★

Plan is too new to be measured

What is a star rating?


Total Premiums

Summing the premiums for the medical, pharmacy, and Part B coverage.

What is part B?

Calculate Part B
${{view_plan.total_premium*month_adjustment | ui-decimal('0,000')}} + {{partb.tier.premium*12*month_adjustment | ui-decimal('$0,000')}}Part B
total for the {{policy_months==12?'year':policy_months+' months'}}

Out-Of-Pocket Expenses

Predicted expenses you will be responsible for during the plan year when you visit the doctor, fill your prescription, or seek any other covered service (e.g., copayment, coinsurance, deductible)

How did you come up with this?

${{view_plan.total_oop.median*month_adjustment | ui-decimal('0')}}
predicted for the {{policy_months==12?'year':policy_months+' months'}} under TYPICAL circumstances

Your Doctors Are covered

{{doctor.primary_specialty}}
{{doctor.name_and_title}}

Your Drugs Are covered

{{drug.proprietary_name}}

* Only the generic version of this drug is covered ({{drug.replacement.generic_name}})

Additional Benefits

This plan offers you additional benefits to help you take good care of yourself!

Wellness
Dental
Vision

What's Covered

Doctor Visits

For most doctor visits, you pay a flat rate copay that depends on the nature of your visit.

Preventative
Primary care
Specialty care*
* includes mental, chiropractor, and physical therapy care
Diagnositc Procedures

Includes labs, imaging and radiology, and diagnostic procedures such as colonoscopy.

Pathology
Radiology
Diagnostic
Outpatient Care

Includes procedures you get done in an outpatient setting such as carpal tunnel surgery or a cataract removal surgery.

Outpatient
Inpatient Care

For care you receive while staying at the hospital in an inpatient status. Note that you could be at the hospital, but not necessarily be considered in an inpatient stay.

Inpatient *
* You only pay for the first few days, then the plan takes over
Emergency Care

Whenever you can, try heading to the nearest urgent care center, unless it is a life threatening situation.

Ambulance
Emergency
Medical Equipment

Covering durable medical equipment such as blood sugar meters, crutches, CPAP devices, home infusion pumps, etc.

Medical
Equipment
Diabetes
Monitor

Prothetics
Prescription Drugs

Drugs are full price until your ${{view_plcy.rx_deductible}} deductible is met. After the deductible is met, "initial coverage" pricing below applies. (Note the deductible amount reflects your personal spending.) No deductible applies. See the chart below for drug pricing.

Prescription Drugs

This plan does not include prescription drug coverage If you choose to enroll in this health plan, you will not be able to purchase a standalone Medicare Prescription Drug plan.

Only show me plans with pharmacy coverage

Deductible
${{view_plcy.rx_deductible}}
1 month supply Preferred
Generic
Generic Preferred
Brand Name
Brand Name Specialty
Drugs
Initial
Coverage
retail
mail





* Bold values indicate the price for lower-cost "preferred" vendors.

Once TOTAL COSTS (your spending + plan spending) reach {{partd[policy_year].gap_threshold | ui-decimal('$0,000')}}, the gap coverage rates below apply. The gap coverage tier is sometimes called the "donut hole."

Show Gap Coverage Tier
Preferred
Generic
Generic Preferred
Brand Name
Brand Name Specialty
Drugs
Gap
Coverage
Generic drugs
Brand-name drugs
Gap
Coverage
retail
mail





* Bold values indicate the price for lower-cost "preferred" vendors.

Once YOUR COSTS (your spending only) reach {{partd[policy_year].cat_threshold | ui-decimal('$0,000')}}, catastrophic coverage rates apply. At that point, you pay only 5% of all drugs.

Add Coverage

package
1
{{ (view_plcy.package_1_premium||0)*12 | ui-decimal('$0,000') }}
per year

Included coverages

{{view_plcy.package_1_benefits.join(', ')}}
package
2
{{ (view_plcy.package_2_premium||0)*12 | ui-decimal('$0,000') }}
per year

Included coverages

{{view_plcy.package_2_benefits.join(', ')}}
package
3
{{ view_plcy.package_3_premium * 12 | ui-decimal('$0,000') }}
per year

Included coverages

{{view_plcy.package_3_benefits.join(', ')}}


No additional package options.

How Does This Plan Actually Work?

Choosing a plan is not only about saving on your premium cost. We've analyzed your estimated out-of-pocket cost to give you a comprehensive view of what to expect with this plan option.

Typical Usage ScenarioIncludes the most likely health events to happen within the next year for people with a profile similar to yours.

High Usage ScenarioRepresents a high usage year for people like you — perhaps an unexpected surgery, illness, or treatment.

Edit scenarioCustom ScenarioA year that includes {{scenario_custom_list.join(', ')}}.

{{view_plan.total_premium*month_adjustment | ui-decimal('$0')}}Premiums for {{policy_months}} months coverage

{{scenario_oop(view_plan) | ui-decimal('$0')}}Estimated out of pocket & copays


{{scenario_total(view_plan) | ui-decimal('$0')}}Total estimated cost to you under this scenario




Compare the {{your_plcy.carrier.name}} plan side by side to another option in your area

Here is a summary showing how your recommended plan compares to other plans available to you. Click on any of the options to see a more detailed comparison.

Show all plans in one list Show all carriers

Rx coverage NOT included
#{{your_plan.ranking_score}}
For your expected needs

 

{{your_plcy.policy_name}}

Lowest estimated total cost under typical circumstances

 

Estimated extra total cost versus the top recommendation in a typical scenario for {{policy_months}} months

+{{your_plan.oop_diff*month_adjustment|ui-decimal('$100')}}

+ {{your_grpd.plans.length-1}} other plan{{your_grpd.plans.length>1?'s':''}} available







vs.








You indicated you prefer the Humana plan to the plan from Blue Cross Blue Shield.


Why do you prefer this plan? (We'll save your notes for your future reference)

Custom Scenario

What healthcare needs are you expecting between {{policy_start|ui-date('January')}} and {{policy_end|ui-date('January')}} {{policy_end.substr(0,4)}}?



Part B premium

Medicare Part B premiums are income-based. This will only be used to estimate your Part B premium, which you must continue to pay even if you enroll in a Medicare Advantage plan. Please select your income tier. (Use your income from your {{current_year-1}} taxes.)

What is a star rating?

Each year, Medicare evaluates plans based on a 5-star quality rating system to measure the experience of Medicare users with their health plans and the health care system in terms of

  • Staying healthy through screenings, tests, and vaccines
  • Managing chronic (long term) conditions
  • Member experience with the health plan
  • Member complaints and changes in the health plan's performance
  • Health plan customer service

1 star represents poor performance, 3 stars represent average performance, and 5 stars represent excellent performance.

What is Part B?

Part B is Medical Insurance component of Original Medicare. Part B helps cover:

  • Services from doctors and other health care providers
  • Outpatient care
  • Home health care
  • Durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment)
  • Many preventive services (like screenings, shots or vaccines, and yearly wellness visits)

When you choose a Medicare Advantage plan, that plan takes the place of both Part A (Hospital Coverage) and Part B. Medicare Advantage plans are required to cover everything that is covered by Part A and B. Most Advantage plans will generally include expanded coverage and additional benefits you would not get under Original Medicare.

Let's fine-tune our analysis of your estimated cost

We've estimated your costs based on your inputs on whether you expect an elective procedure, and the list of physicians and prescription drugs you'd like covered.

We could fine-tune the analysis by helping you connect your recent health coverage and healthcare visits if you’d like. That way, we can capture any potential ongoing care or treatments you may need in the near future and give you a more comprehensive picture of how your plan options are expected to work for you. Connecting your current coverage could take a few minutes, but may be valuable!

{{carrier_current.logo_url?'':carrier_current.name}}

Have you ever accessed your {{carrier_current.name}} portal before?


First, you'll need to register online with {{carrier_current.name}}.

Have your member and group information ready in case you need them to sign up. You can find this information on your insurance card.

{{carrier_current.logo_url?'':carrier_current.name}}






Done! We've analyzed the spending on your {{carrier_current.name}} healthcare coverage.


Now let's review the results. First we'll review your spending.







Here's how much you've spent on your healthcare recently.

Current Plan {{subscription.title}}

Here's your spending since January 1, 2021

{{1350 | ui-decimal('$0')}}Premiums you've paid over {{9}} months.

{{2703 | ui-decimal('$0')}}Actual out-of-pocket & copays


{{4547 | ui-decimal('$0')}}Total estimated cost to you under this scenario



Next, let's review the physicians you've visited recently. You can select those you expect to see again in the future. Then we'll refine your plan options accordingly.





Here's the list of doctors recorded by your insurance company from your recent healthcare visits.

We’ve pre-selected the doctors you had already added before. Are there other doctors from this list you’d like to make sure are covered by your Medicare plan?



Here's the list of pharmacy drugs we've noticed in your recent healthcare bills.

Select the drugs you want to make sure are covered under your Medicare plan.

We weren't able to identify and drugs in your claims. You can indicate any drugs you'd like to ensure are covered on the next step.




Now let's calculate the best plan for you.



Our recommendation will be based on a a wholistic understanding of your past experiences, your future needs, and your current preferences.


Enroll in {{your_plcy.policy_name}}

You are about to sign up for{{your_plcy.policy_name}}. Confirm that this is the right plan by clicking "Enroll" below.

#{{your_plan.ranking_score}}
For your expected needs

{{your_plcy.overall_cms_star_rating_year||current_year}}
Star Rating*

★★★★★★★★★★

Plan is too new to be measured 

{{your_plcy.policy_name}}

Included coverages

*Each year Medicare evaluates plans based on a 5-star rating system.

Medicare beneficiaries may also enroll in through the CMS Medicare Online Enrollment Center located at http://www.medicare.gov. For a complete list of available plans please contact 1-800- MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.



Why are we recommending this plan?

Based on our analysis of your healthcare needs and estimated costs in the coming year, this plan is one of the most effective to you compared to other plans in your area.


Why is this plan good for me?

Based on our analysis of your healthcare needs and estimated costs in the coming year, this plan is one of the most effective to you compared to other plans in your area.

{{Math.floor(view_plan.relative_effectiveness*100)}}% as effective as our top recommendation.


Medicare card

If you don't have a Medicare card or your card doesn't have a Medical (Part B) coverage start date, then make sure you sign up for Medicare's medical coverage through the Social Security website. You will need to do so before enrolling in a Medicare Advantage plan!




You left some questions blank that could impact our recommendation for you.

By answering the following questions, you can improve the quality of the cost estimates used to rank your plan options.

  • Are you new to Medicare?
  • Your birthdate
  • Your travel expectations
  • Your surgery expectations
  • Any additional doctors
  • Any additional prescriptions

This plan does not include prescription drug coverage

If you choose to enroll in this health plan, you will not be able to purchase a standalone Medicare Prescription Drug plan.

👋 Hey there! We've made some assumptions to estimate your potential costs. You could fine tune these assumptions to obtain a more personalized estimate. Review assumptions

We've sorted the {{results.plans.length}} plans available in your zip code by estimated cost (for {{policy_start|ui-date('January')}}between {{policy_start|ui-date('January')}} and {{policy_end|ui-date('January')}}) based on an average user in good health

Done! We've analyzed the {{results.plans.length}} available plan options by estimated cost to you for {{policy_start|ui-date('January')}} between {{policy_start|ui-date('January')}} and {{policy_end|ui-date('January')}}. Let's review the results.

Bear in mind that your actual costs will depend on how much care you end up using. You can fine tune the estimate of your potential costs to receive more personalized plan recommendations. Review assumptions

The list below shows the plan that appears to best fit your needs for each insurance provider.

Let's walk through our analysis step by step: Next, we'll show how our analysis rates a plan based on your needs. Then we'll use that rating to compare plans quickly and clearly.

Before comparing your options, let's walk through an example


#{{your_plan.ranking_score}}
For your expected needs

{{your_plcy.overall_cms_star_rating_year||current_year}}
Star Rating*

★★★★★★★★★★

Plan is too new to be measured 

{{your_plcy.policy_name}}

Included coverages

*Each year Medicare evaluates plans based on a 5-star rating system.

Coverage from
{{policy_start | ui-date('Jan 1, 2000')}} — {{policy_end | ui-date('Jan 1, 2000')}}
({{(policy_months<12?'about ':'')+policy_months}} months)

{{your_plan.ranking_score==1 ? 'This is the recommended plan based on your needs under '+review_scenario+' circumstances. ' : ''}}In the next step we will explore your estimated total costs under this plan.

How much is my healthcare estimated to cost me for {{policy_start|ui-date('January')}} between {{policy_start|ui-date('January')}} and {{policy_end|ui-date('January')}}?


Since we can't know exactly what may happen in the future, we've analyzed the cost of your likely health care needs under these scenarios. Choose one to use as a starting point for comparing plan costs.

Which plan do you prefer?

How much is my healthcare estimated to cost me between {{policy_start|ui-date('January')}} and {{policy_end|ui-date('January')}}?

#{{your_plan.ranking_score}}
For your expected needs

{{your_plcy.overall_cms_star_rating_year||current_year}}
Star Rating*

★★★★★★★★★★

Plan is too
new to be
measured 

{{your_plcy.policy_name}}

Included coverages

See plan details →

#{{comp_plan.ranking_score}}
For your expected needs

{{comp_plan.medical_policy.overall_cms_star_rating_year||current_year}}
Star Rating*

★★★★★★★★★★

Plan is too
new to be
measured 

{{comp_plan.medical_policy.policy_name}}

Included coverages

See plan details →

*Each year Medicare evaluates plans based on a 5‑star rating system.

change

Typical Usage ScenarioIncludes the most likely health events to happen within the next year for people with a profile similar to yours.

High Usage ScenarioRepresents a high usage year for people like you — perhaps an unexpected surgery, illness, or treatment.

Edit scenarioCustom ScenarioA year that includes {{scenario_custom_list.join(', ')}}.

{{your_plan.total_premium*month_adjustment | ui-decimal('$0')}}Premiums for {{policy_months}} months coverage

{{scenario_oop(your_plan) | ui-decimal('$0')}}Estimated out of pocket & copays


{{scenario_total(your_plan) | ui-decimal('$0')}}Total estimated cost to you under this scenario

change

Typical Usage ScenarioIncludes the most likely health events to happen within the next year for people with a profile similar to yours.

High Usage ScenarioRepresents a high usage year for people like you — perhaps an unexpected surgery, illness, or treatment.

Custom ScenarioA year that includes {{scenario_custom_list.join(', ')}}.

{{comp_plan.total_premium*month_adjustment | ui-decimal('$0')}}Premiums for {{policy_months}} months coverage

{{scenario_oop(comp_plan) | ui-decimal('$0')}}Estimated out of pocket & copays


{{scenario_total(comp_plan) | ui-decimal('$0')}}Total estimated cost to you under this scenario

 

This is your preferred plan so far. How are you feeling about it?

#{{your_plan.ranking_score}}
For your expected needs

{{your_plcy.overall_cms_star_rating_year||current_year}}
Star Rating*

★★★★★★★★★★

Plan is too new to be measured 

{{your_plcy.policy_name}}

Included coverages

See plan details →

*Each year Medicare evaluates plans based on a 5-star rating system.

To make an informed decision, you should compare this plan to other plans until you feel comfortable with your selection.

Please review and sign a scope of appointment document.

Please review the scope of your appointment with {{schedule_appt.soa_advisor_first}}. {{schedule_appt.soa_advisor_first}} will begin preparing the relevant material to review the exact set of coverage options you'd like to discuss during your one-on-one session. To give you peace of mind and protect your privacy, please review the scope of the one-on-one session, so that {{schedule_appt.soa_advisor_first}} only reviews the plans you've selected.


Enroll with a Medicare advisor and licensed sales agent

Get your questions answered!

If you provided an email address, you will receive a link for a Zoom conference call. You may also provide a telephone number if you'd prefer to talk by telephone.

( ) -

By requesting a consultation, you authorize a licensed agent to contact you by phone, email, or text. Your consent is not a condition of purchase of any goods or services. Your information and use of this site is governed by our most recent terms of use and privacy policy. Standard message and data rates may apply.


Continue

You're scheduled to speak with {{soa_advisor.first}} {{soa_advisor.last}} (your Medicare advisor and licensed sales agent) {{soa_prefer_phone?'by phone':'by Zoom'}} on {{schedule_appt.soa_date | ui-date('January 30')}} at {{schedule_appt.soa_time}}

We are in the process of matching you to a trusted Medicare advisor and licensed sales agent.

Got Questions? Our team of Medicare advisors and licensed sales agents is here to help!

Enroll in {{your_plcy.policy_name}} with a trusted Medicare advisor and licensed sales agent

Got Questions? We’ve partnered with trusted Medicare advisors and licensed sales agents that are here to help!

Reschedule your appointment

{{soa_advisor.first}} will begin preparing the relevant material to review the exact set of coverage options you'd like to discuss during your one-on-one session. Below are the plans that you've indicated you'd like to discuss. Please review the scope of the one-on-one session. {{soa_advisor.first}} (your Medicare advisor and licensed sales agent) will only review the plans you've selected.

We will be in touch soon by email or phone to get you scheduled for a one-on-one session with a trusted Medicare advisor and licensed sales agent! They will be able to walk you through the exact set of coverage options you've indicated below and answer any questions you may have.

(Received on {{sent_contact}})

We can certainly help you with any questions you may have about the {{your_plcy.carrier.name}} plan. Before you schedule to speak with one of our advisors who are licensed sales agents, please select any other plans that you'd like to discuss with them.

While Reclaim is not currently appointed to help enroll you in this plan, our trusted partners can help you enroll in the {{your_plcy.carrier.name}} plan. You can equest a consultation to enroll with one of the advisors who are licensed sales agents.

While Reclaim is not currently appointed to answer questions about this plan, our trusted partners can certainly help you with any questions you may have about the {{your_plcy.carrier.name}} plan. Before you request to speak with one of the advisors who are licensed sales agents, please select any other plans that you’d like to discuss with them.

#{{your_plan.ranking_score}}
For your expected needs

{{your_plcy.overall_cms_star_rating_year||current_year}}
Star Rating*

★★★★★★★★★★

Plan is too new to be measured 

{{your_plcy.policy_name}}

Included coverages

See plan details →

    Your preferred plan
    #{{your_plan.ranking_score}}
    For your expected needs

    {{your_plan.medical_policy.policy_name}}

    Lowest estimated total cost under typical circumstances

     

    Estimated extra total cost versus the top recommendation in a typical scenario

    +{{your_plan.oop_diff*month_adjustment|ui-decimal('$100')}}

    See plan details →













    You've also considered
    #{{plan.ranking_score}}
    For your expected needs

    {{plan.medical_policy.policy_name}}

    Lowest estimated total cost under typical circumstances

     

    Estimated extra total cost versus the top recommendation in a typical scenario

    +{{plan.oop_diff*month_adjustment|ui-decimal('$100')}}

    See plan details →














Medicare beneficiaries may also enroll in through the CMS Medicare Online Enrollment Center located at http://www.medicare.gov. For a complete list of available plans please contact 1-800- MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.

Alright! We'll next ask you a few questions to help you fill in the enrollment application.

It's time to get your Medicare card! We'll confirm your name as it appears on your Medicare card, record your Medicare number and check your hospital (Part A) and medical (Part B) coverage start dates.

I don't have a Medicare card →

Let's verify your Medicare information

Please fill in the Medicare number as you see it printed on your Medicare card. Also check the spelling of your name. It needs to be exactly as it appears on the card!

MEDICARE HEALTH INSURANCE

Name/Nombre

Medicare Number/Número de Medicare

Entitled to/Con derecho a

Coverage Starts/Cobertua empieza

HOSPITAL (PART A)
- -
MEDICAL (PART B)
- -

What is your permanent residential address?

Please make sure the ZIP code below is accurate. The plan you are enrolling in may not be available in other ZIP codes.

My ZIP code is not {{zip_code}} →



{{fips_county}} County, {{fips_state}} {{zip_code}}

Is this a good mailing address for {{your_plcy.carrier.name}} to mail you important plan documents?


{{address_street}} {{address_city}}, {{fips_state}} {{zip_code}}


Please choose your
county in {{mailing_zip}}

Enter your mailing address


Note on SSA or RRB deductions

Due to processing timelines mandated by CMS (Medicare), your SSA or RRB deduction may be denied for your first premium payment. {{your_plcy.carrier.name}} will issue you an invoice for the initial payment and resubmit your request to CMS (Medicare) for SSA or RRB deduction to begin on your second month’s premium. The deduction may take two or more benefit checks to begin. In most cases, if SSA or RRB accepts your request for automatic deduction, the first deduction from your benefit check will start with the month that SSA accepts the withholding. If SSA or RRB does not approve your request for automatic deduction, {{your_plcy.carrier.name}} will send you a paper bill or a coupon book for your monthly premiums.

How would you like to pay for your Medicare insurance premiums?

It's recommended that you select a payment option for the remainder of the year.

Almost there! The enrollment form for the {{your_plcy.policy_name}} is ready for your review


Thank you for confirming your information! We've pulled together the enrollment application form for the {{your_plcy.policy_name}} plan. We'll guide you step by step through the document to help you review and complete the application.

Keep your medicare card close by to confirm the info!




{{your_plcy.enrollment_agency.principal.first}} {{your_plcy.enrollment_agency.principal.last}}, a Medicare advisor and licensed sales agent, will review your application and may contact you before submitting it to {{your_plcy.carrier.name}}.

A Medicare advisor and licensed sales agent will review your application and may contact you before submitting it to {{your_plcy.carrier.name}}

We are in the process of submitting your application for {{your_plcy.policy_name}}.


We will be in touch with you soon to confirm your enrollment and be on the lookout for any inquiries from {{your_plcy.carrier.name}} as they work on finalizing your enrollment.


Here's the plan you're enrolling in:

#{{your_plan.ranking_score}}
For your expected needs

{{your_plcy.overall_cms_star_rating_year||current_year}}
Star Rating*

★★★★★★★★★★

Plan is too new to be measured 

{{your_plcy.policy_name}}

Included coverages

See plan details →

What happens next?

  • Step 1 {{your_plcy.enrollment_agency.principal.first}} {{your_plcy.enrollment_agency.principal.last}} (a Medicare advisor and licensed sales agent) will review your application and may reach out to you by email or phone with any questions.
  • Step 1A Medicare advisor and licensed sales agent will review your application and may reach out to you by email or phone with any questions.
  • Step 2 Your application will be submitted to {{your_plcy.carrier.name}}.
  • Step 3 You'll receive confirmation from {{your_plcy.carrier.name}} regarding your new coverage.
  • Step 4 Your new coverage will begin on your appropriate start date.

Why match me to others with a similar journey?


Do you ever ask family, friends, or colleagues about their experience before making an important purchase? Now imagine asking thousands of people!

Our artificial intelligence engine does exactly that, analyzing and learning from the experience of tens of thousands of community members that share a similar journey to yours.



Of the {{plans_available.length}} plans available in your area...   {{calculating.final_plans.length}} plans may fit your {{domestic_travel=='yes'?'travel':''}} {{filtered_available_health_and_travel?'and ':domestic_travel=='yes'?'needs':''}}{{preferred_doctors.length||preferred_drugs.length||hide_norx_plans?' health\u00A0needs':''}}. There are {{plans_available.length}} plans available in your area...

Analyzing your future care needs
Calculating your personalized likely out-of-pocket costs under each of the {{views.calculating.final_plans.length}} plan options

 
Alright! Bear with us while we crunch the numbers.

{{calculating.error}}

{{group[group.is_ready?'qualified_plans':'plans'].length}}
plan{{group[group.is_ready?'qualified_plans':'plans'].length>1?'s':''}}

Showing {{policy_year}} plans

Next we'll predict your costs by matching you to people in our community with a similar health journey and healthcare needs.

Continue

Please select the specific drug and dosage

Special Circumstances (Special Enrollment Periods)

You change where you live

  • I moved to a new address. Where either your plan is no longer in the service area or you have new plan options in your new location.
  • I moved back to the U.S after living outside the country.
  • I moved out of a skilled nursing facility, long-term hospital, or correctional facility.

* Generally you have 2 full months to enroll after the month you move or after you tell your health plan about the move.


You lose your current coverage

  • I lost my drug coverage or my other coverage changed and is no longer as good as Medicare drug coverage You can join until 2 full months after you lose the creditable coverage or you are notified that your current coverage is no longer creditable.
  • I am no longer eligible for Medicaid. You can join until 3 full months after the date you are either no longer eligible or notified, whichever is later.
  • I dropped my coverage in a Program of All-inclusive Care for the Elderly (PACE) plan. You can join until 2 months after dropping out of that PACE plan.

Other special situations

  • I am eligible for both Medicare and Medicaid. You can only join one time during each of these periods: Jan-Mar, Apr-Jun, Jul-Sep. If you make a change, it will take effect on the first day of the following month. If you need to make another change, you'll need to wait until the next quarter. You can't make a change Oct-Dec unless it is for the upcoming year at annual enrollment.
  • I'm enrolled in a Special Needs Plan (SNP) and no longer have a condition that qualifies as a special need that the plan serves. You can join until 3 months after your SNP grace period ends.

You can view a full list of eligible Special Enrollment Periods (SEPs) click here →


Continue without a private account?

Providing your email or phone number is safe and secure. Doing so enables you to:

  • Restore your answers and results when you close this page and return.
  • Include personalized information to get a more accurate prediction of your costs under each of the plans available to you

If you choose to skip creating a private account now, you can create one at any time by clicking the save my progress button in the upper right corner.


Welcome back, {{user.first_name|ui-capitalize(true)}}!

Let's load up your previous responses...
Here's what we accomplished last time:

Basic information about you edit
Find your current plan edit edit
Connect your current coverage edit
Find your local plan options edit
Select your doctors and prescriptions edit edit

Hello!
Let's find a Medicare Advantage plan that's a good fit for you.

We’ll start with some optional questions to best address your individual situation



Let's Get Started!

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Skip to the list of available plans

Navigating your Medicare options shouldn't be complicated. You're in the right place!

Great to meet you{{!is_demo&&first_name?' '+first_name:''}}!
How can we help you today?

Continue Continue

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Already enrolled in a Medicare Advantage plan and considering a change?

You can switch plans until March 31st. Let's see if there's a better option for you.

Looking to change your plan?

You can change plans midyear only under special circumstances like moving to a different ZIP code.

You're in the right place at the right time!

Let's review your current coverage and see if there is a better plan available for you. Keep in mind that open enrollment for Medicare Advantage ends December 7th.

Already enrolled in a Medicare Advantage plan and considering a change?

Open enrollment has ended for this year but you can switch plans from January 1st to March 31st. Let's see if there's a better option for you.



Continue

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For a comprehensive list of qualifying circumstances go to See all reasons→






Simulate Date

Thanks for helping! We'll do our best to make this easy for you!

When does (or did) the Medicare recipient turn 65?

Let's start with the basics so we can help you find a Medicare plan that fits your needs.

First, when is your birthdate?

Congrats!!

Let's confirm your Medicare eligibility.
When is your birthdate?


In order to be eligible for Medicare, you must fall within an eligibility category. These next series of questions help us establish your eligibility for Medicare.



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{{enroll_status}}

Have you been (or will you still be) on group coverage through an employer or a union?

If you or your spouse continue working past age 65 and have been receiving coverage through an employer (with more than 20 employees), you have a special timeframe to sign up for Medicare's medical coverage (known as Part B) without incurring penalties or risking a gap of coverage:

  • Once you (or your spouse) stop working, you should sign up for Medicare within eight months of your retirement date.
  • If you (or your spouse) stop getting coverage from your employer but keep working, you must sign up within two months of your coverage end date.



Next Next

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Do you have a disability that qualifies you for Medicare before age 65?

If you qualify for Social Security Disability Insurance (SSDI) or Railroad Retirement Board (RRB) disability benefits, you will become eligible for Medicare coverage after you have been on either program for 24 months.




Next

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Have you signed up for Medicare's medical coverage (known as Part B)?

If you have already received your Medicare card, take a quick peak at the Medical (Part B) coverage start date.

You are all set and can enroll in a Medicare Advantage plan, if you choose to.

You will need to sign up for Medicare Part B before enrolling in a Medicare Advantage plan. Let’s walk you through how you could sign up for Medicare Part B.

Continue Continue

You're a bit early to enroll
but it's good to prepare.

You'll begin coverage the month you turn 65. You'll be eligible for Medicare in {{enroll_status.days_left>=100?''+(enroll_status.days_left/30|0)+' months':''+enroll_status.days_left+' days'}}. When you enroll, you'll begin coverage on your birthday. You may continue to look at hypothetical plan options, but you won't be able to enroll yet.

If you enroll in Medicare’s medical coverage (Part B) today, your Part B benefits will begin on the first day of {{policy_start|ui-date('January')}}.

If you do not enroll in Medicare Part B in the next {{enroll_status.days_left}} {{enroll_status.days_left>1?'days':'day'}}, you will need to wait another month for your Part B coverage to begin. Bear in mind that you will need to have your Medicare card with both hospital (Part A) and medical (Part B) to sign up for a Medicare Advantage plan.

Sign up now through Social Security →

Until you sign up for Medicare Part B, let’s explore Medicare Advantage plans that fit your needs. Once you’ve received your Medicare card and you signed up for Medicare's medical coverage (Part B), you can come back to complete enrollment.

You may have missed the initial signup period for Medicare’s medical coverage (Part B).

If you have not signed up for Medicare Part B within 8 months of your retirement date or within two months of your employer/union coverage end date, you may need to wait until the General Enrollment Period between January 1 - March 31 to enroll in Medicare Part B. Your Part B benefits will begin on July 1, {{policy_year}}.

If you didn't get Part B when you're first eligible, your monthly premium may go up 10% for each 12-month period you could've had Part B, but didn't sign up. In most cases, you'll have to pay this penalty each time you pay your premiums, for as long as you have Part B. And, the penalty increases the longer you go without Part B coverage. Learn more.

You may continue to look at hypothetical plan options, but you won't be able to enroll yet. We'll use the currently available plans as an example of options that could have been available to you.

You have a special timeframe to sign up for Medicare’s medical coverage (Part B).

You can sign up for Medicare Part B within 8 months of your retirement date or within two months of your employer/union coverage end date. Bear in mind that you will need to have your Medicare card with both hospital (Part A) and medical (Part B) coverages to sign up for a Medicare Advantage plan.

Sign up now through Social Security →

Until you sign up for Medicare Part B, let’s explore Medicare Advantage plans that fit your needs. Once you’ve received your Medicare card and you signed up for Medicare's medical coverage (Part B), you can come back to complete enrollment.

Time is running out...
(but you can still enroll!)

At this point, your coverage will begin three months after enrolling.

You must signup in the next {{enroll_status.days_left}} {{enroll_status.days_left>1?'days':'day'}} to avoid a penalty.

Sign up now through Social Security →

Until you sign up for Medicare Part B, let’s explore Medicare Advantage plans that fit your needs. Once you’ve received your Medicare card and you signed up for Medicare's medical coverage (Part B), you can come back to complete enrollment.

If you enroll in Medicare’s medical coverage (Part B) today, your Part B benefits will begin on the first day of {{policy_start|ui-date('January')}}.

If you do not enroll in Medicare Part B in the next {{enroll_status.days_left}} {{enroll_status.days_left>1?'days':'day'}}, you will need to wait another month for your Part B coverage to begin. Bear in mind that you will need to have your Medicare card with both hospital (Part A) and medical (Part B) to sign up for a Medicare Advantage plan.

Sign up now through Social Security →

Until you sign up for Medicare Part B, let’s explore Medicare Advantage plans that fit your needs. Once you’ve received your Medicare card and you signed up for Medicare's medical coverage (Part B), you can come back to complete enrollment.


Continue


Note: If you qualify for early Medicare eligibility (transitioning from Medicaid, etc.), we're not currently equipped to advise you on that transition. We recommend that you call 1-800-MEDICARE (operational 24 hours a day/7 days a week) to learn about your options.

How do you feel about your current plan?

How do you feel about transitioning to Medicare for the coming year?


We'll check your current plan and see if there is a better plan that could save you money.
We'll search for plans that cover your specific doctors and prescriptions.
We'll determine if your plan is a good fit, or if it's worth switching to another plan.
Next Next Next Next

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Before we continue, let's save your information by creating a private account.

This allows you to come back and pick up where you left off.

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We request your email or phone number in order to enable you to manage and control your personal information. We will not use your email address or phone number for telemarketing or unsolicited contact with you. We will also not share your information with third parties without your explicit permission.


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By continuing, you are agreeing to the terms of use and the privacy policy.

Let's take a moment to find your current plan
Please choose your area within the {{views.old_plan.zip_code}} ZIP code.
Choose your current plan.
Here is your current plan.

Enter the ZIP code for your current plan.




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Here are the available plans in your area.
Oops, we couldn't find plans in your area. Let's keep going.

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Who are you currently getting your healthcare coverage from?

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If you currently have coverage (through your employer or the marketplace), does your insurance card look similar to any of the below?
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What is your new ZIP code?

Has your ZIP code changed?

What is your ZIP code?

Medicare plan options vary depending on where you live (in order to account for care offerings in your local area).





Please choose your area within the {{zip_code}} ZIP code:
Searching Medicare plan options available in your area....

There are {{plans_available.length}} different Medicare plan options available in your area.

Let's narrow it down to the plan options that are best for your needs.

Select Continue

Reclaim shows all available Medicare Advantage plans regardless of whether or not we receive a commission or are appointed to sell the plan. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.

Just a few more optional questions to help fine tune the plan recommendation for you...

Is it likely you'll need surgery in the next year?

Select yes if you have a surgery scheduled in the future or have an ongoing condition that could lead to surgery.

Got it! We'll help you choose a plan that features  surgery coverage.
Good to know. Your recommended plan will still cover you if you need surgery, this factor will just have less influence on our recommendation.
Continue

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Do you frequently travel within the United States?

If you do, we'll make sure that you have a large enough network of physicians and healthcare facilities available in your Medicare plan when you are on the go.

OK, we'll prioritize Medicare plans with a large network to make sure you have peace of mind when traveling.
You may be able to save on premiums with a Medicare HMO plan mostly focused on your area.
Continue Continue

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Are there {{events.doctors.length?'other':''}} doctors you'd like to make sure are covered by your Medicare plan?

Examples: Your primary care doctor. A therapist you're thinking of visiting. A specialist that you've scheduled a procedure with in the near future.

  • {{doctor.primary_specialty}}
    {{doctor.name_and_title}}
    remove
Continue Continue Continue

I prefer not to answer

Doctors and other practitioners can opt out of Medicare at any time. They may also choose to accept only a certain number of Medicare patients. We recommend you call your doctor to confirm participation and availability.

Here's the list of pharmacy drugs we've noticed in your recent healthcare bills.

Select the drugs you want to make sure are covered under your Medicare plan.

We weren't able to identify and drugs in your claims. You can indicate any drugs you'd like to ensure are covered on the next step.
next

Are there {{events.drugs.length?'other':''}} prescriptions you'd like to make sure are covered by your Medicare plan?

Search below by typing the brand or generic name.

  • {{drug.proprietary_name}}
    {{drug.medication}}
    remove
Continue

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