Health · Medicare
Pass only
Navigate Medicare without the mistakes.
Tell your AI advisor your health situation, doctors, and budget — get a clear, personalized recommendation on which Medicare plan to choose, when to enroll, and exactly how much you'll save.
$3K+
avg annual savings
100%
avoid late penalties
20
min to your plan
The Problem
Medicare has 4 parts, dozens of plan types, and enrollment windows you can't miss.
Most people pick the wrong plan and overpay by $2,000–$5,000 a year
Choosing between Original Medicare, Advantage, and Medigap without guidance almost always means paying more than you need to — every single year.
Missing your enrollment window triggers a permanent monthly penalty
The Part B late penalty is 10% per year, added to your premium for life. Most people who get hit by it didn't know their window had already opened.
Insurance agents have financial incentives — not yours
Medicare agents are paid commissions by carriers. The plan they recommend is often the one that pays them most, not the one that fits your health needs and budget.
The official Medicare website answers every question except 'what should I do'
Medicare.gov has all the information — but it won't tell you whether Medigap Plan G or Medicare Advantage is better for someone with your exact health profile and income.
What You Get
Expert Medicare guidance — personalized to your situation.
Full Medicare Situation Analysis
Your advisor builds a complete picture of your health, finances, and timeline before making a single recommendation.
Medigap vs. Advantage Judgment Call
A direct recommendation on the most important Medicare decision — with reasoning tied to your specific doctors, conditions, and budget.
Part D Drug Coverage Optimizer
Enter your prescriptions and get advice on what to look for to minimize your total annual drug costs.
Enrollment Timeline & Penalty Guard
Your exact enrollment windows mapped with dates — and a clear flag if you're at risk of a permanent late-enrollment penalty.
Annual Cost Comparison
Total cost estimates — premiums plus typical out-of-pocket — for each path, based on your health profile.
Prioritized Next Actions
Your advisor tells you the 3 most important things to do in the next 30 days, in order of urgency.
How It Works
From Medicare confusion to the right plan — in 20 minutes.
1
Share your health situation and goals
Answer 7 questions about your health, doctors, prescriptions, income, and what matters most in a plan.
~7 minutes2
Get your personalized Medicare recommendation
Your advisor gives you a direct pick — Advantage or Original Medicare + Medigap — with full reasoning tied to your situation.
~3 minutes3
Optimize drug coverage and enroll without penalty
Use your Part D optimizer and enrollment timeline to lock in coverage confidently and on time.
~10 minutes$3K+
average annual savings vs. choosing the wrong plan
20 min
to your full recommendation
0
late enrollment penalties
1
clear plan to enroll in
Questions
Everything you need to know.
Is this the same as talking to a Medicare insurance agent?
No — and that difference matters. Insurance agents are paid commissions by carriers, which creates an incentive to recommend the plans that pay them most. Your AI advisor has no financial relationship with any insurer and no commission to earn. Every recommendation is based entirely on what you share about your health, doctors, and budget.
I'm still working at 65. Do I really need to deal with Medicare now?
It depends on your employer's size — and this is exactly the kind of situation where getting the wrong answer is expensive. If your employer has fewer than 20 employees, you typically need to enroll in Medicare when you're first eligible or face permanent penalties. If it's larger, you may be able to delay. Your advisor will give you a specific answer based on your exact situation.
What's the real difference between Medicare Advantage and Original Medicare with Medigap?
Advantage plans typically have lower premiums but restrict you to networks and require referrals — they work well if you're generally healthy and price-sensitive. Original Medicare with a Medigap supplement costs more monthly but gives you nearly unlimited provider access and predictable out-of-pocket costs — better if you have ongoing conditions or want flexibility. Your advisor gives you a specific recommendation based on your doctors, health profile, and risk tolerance.
What are the late enrollment penalties and how do I avoid them?
The Part B late penalty is 10% added to your monthly premium for every 12-month period you were eligible but didn't enroll — and it lasts for life. The Part D penalty is 1% per month of delay. Both are avoidable if you understand your enrollment windows. Your advisor maps your exact timeline and flags any risk specific to your situation before you miss a deadline.
Can I use this if I'm already on Medicare and want to switch plans?
Yes. The advisor is useful both for people approaching Medicare for the first time and for those already enrolled who want to review their coverage during Annual Enrollment (October 15 – December 7). If your health, income, or prescription needs have changed, your current plan may no longer be the best fit — and your advisor can help you evaluate whether switching makes sense.
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