Decision Tools
Help me check, calculate, compare, or organize something.
These tools are built for people who want to understand their Medicare situation — not be sold a plan. Use them before you call anyone.
Tell us where you are and we'll point you to the right tool — or browse them all below.
Where are you right now?
All decision tools
Eight free tools — every one ready to use now. One more in development.
◆Decision MapReadyMedicare Decision MapA visual map of the Medicare decision — where you are, what the paths are, and what each choice means. Start here if you're not sure where to begin.Open the map→◷Enrollment WindowsReadyMedicare Enrollment WindowsSee every enrollment window — when each one opens, what it lets you do, and the doors that close permanently if you miss them.Check your windows→●Cost CheckReadyIRMAA Income CheckerSee whether your income triggers a Medicare surcharge and what the thresholds are for the current year.Check your income→▤Cost EstimatorReadyMedicare Cost EstimatorEstimate your total out-of-pocket costs — premiums, deductibles, and limits — comparing Medicare Advantage vs. Medigap.Estimate your costs→◼Plan ComparisonReadyMedigap Plan ComparisonCompare Plan G, High-Deductible G, and Plan N side by side — premiums, tradeoffs, and which fits your situation.Compare plans→▣WorksheetReadyMedicare Decision WorksheetA structured worksheet to organize your situation, priorities, and questions before you talk to anyone.Open the worksheet→¶TermsReadyMedicare Terms in Plain EnglishIRMAA, Medigap, creditable coverage, SEP — decoded in plain language so the jargon stops blocking the decision.Look up a term→✦Fit CheckReadyMedicare Fit CheckNot sure where to start? A few calm questions about your situation — then the door that currently matches it. Orientation, not advice. About five minutes.Start the Fit Check→⚖Rights & RulesIn DevelopmentKnow Your Medicare RightsTell us what's happening — denied claim, losing coverage, surprise bill, Medigap denial — and we'll tell you exactly what protections apply and what to do next.See what's coming→