Decision Tools
Know Your Medicare Rights
Tell us what's happening — we'll tell you exactly what protections apply, what the timeframes are, and what to do next. No sales pitch. No guessing.
In Development← Back to all tools
This tool is being built.
The Know Your Rights tool will cover 12 key situations — denied claims, losing coverage, Medigap application rights, surprise bills, prescription denials, and more. Each situation returns a plain-English summary of your rights, specific timeframes, and what to do next.
Situations this tool will cover
- Denied a claim — appeal rights and timeframes
- Losing employer, Medicaid, or COBRA coverage — SEP and guaranteed issue
- Doctor leaving your plan — continuity of care rights
- Medigap application denied — guaranteed issue windows and state birthday rules
- Surprise bill or balance billing — No Surprises Act protections
- Nursing home or skilled nursing — discharge appeal rights
- Home health denial — ABN rights and what to do
- Prescription denied — formulary exception and step therapy override
- Plan changing benefits mid-year — what's protected, what's not
- Turning 65 — guaranteed issue Medigap rights during Initial Enrollment
- Leaving Medicare Advantage — 12-month trial right and guaranteed issue
- IRMAA appeal — life-changing event exceptions