Which path fits you? Medicare Advantage or Medigap

1

Where you are on the Medicare timeline

Timing decides how much of a choice you actually have, so we start here.

When did (or will) your Medicare Part B coverage start?

Your one-time Medigap open enrollment runs six months from the day Part B starts, at age 65 or older. During that window no company can turn you down or charge you more for your health.

It hasn't started yet — I'm getting ready Within the last six months More than six months ago I'm not sure

What do you have right now?

Nothing yet — I'm new to Medicare Still on employer or union coverage Original Medicare with a Medigap plan A Medicare Advantage plan Original Medicare only, no supplement

Do you have any of this other coverage? Check all that apply.

Medicaid, Extra Help, or a state assistance program VA benefits TRICARE for Life Retiree coverage from a former employer None of these

2

Your health and your doctors

Nothing here is a medical record — it tells me how much care you're likely to use and whether health questions could come into play.

How is your health these days?

Good — few or no ongoing conditions One or two conditions, well managed Several conditions or ongoing treatment

In the last two years, have you had a hospital stay, surgery, cancer treatment, a heart procedure, or regular specialist care?

Yes No I'd rather talk it through

Are there doctors or a hospital system you want to keep?

Yes — I'm not willing to switch I'd prefer to keep them, but I'm flexible No strong preference

In a typical year, how often do you see doctors or specialists?

Rarely — checkups and that's about it A few times a year Regularly — roughly monthly or more

How do you feel about referrals and getting a plan's approval before certain care?

That's a deal-breaker for me Fine, if it keeps my costs down Doesn't bother me either way

3

How the money needs to work

One path trades a higher monthly premium for very predictable bills. The other trades lower premiums for costs that show up when you use care.

Which sounds more like you?

Pay more every month so medical bills almost never surprise me Keep my monthly cost as low as possible and pay as I go Somewhere in the middle

If you had a rough health year, could you handle several thousand dollars in out-of-pocket costs?

Yes, I have savings set aside for that I could, but it would strain things No — that would be a serious problem

Roughly what can you put toward coverage each month, on top of your Part B premium?

Under $50 $50 to $150 $150 to $250 More than $250 if the coverage is right

How many prescriptions do you take regularly?

None One to three, mostly generics Four or more At least one brand-name, injectable, or specialty drug

4

How you live

Where you spend your time and how much you want to fuss with coverage each year both matter more than people expect.

Do you spend much time away from home?

Yes — months at a time, a second home, or family in another state Occasional trips I'm home nearly all year

How much do extras matter — dental, vision, hearing, fitness, over-the-counter allowance?

A lot — I want them included Nice to have, not a priority I'd rather buy dental and vision on their own

Every fall, plans change. What suits you better?

Set it once and leave it alone I'm happy to review my options each year I'm not sure yet

5

Where should I send your results?

Optional. Fill this in and I'll follow up with the specific plans available in your county. Skip it and you'll still see your results on screen.

Your name

Phone

Email

ZIP code

Best time to reach you

Anything else I should know?

Which path fits you: Medicare Advantage or Medigap?

Agent view — build a link for your client

Where you are on the Medicare timeline

Your health and your doctors

How the money needs to work

How you live

Where should I send your results?

What pushed you this direction

Worth talking through before you decide

What happens next

Your answers, in plain text