Free tool · printable
Medicare Decision Worksheet
Work through these at your own pace. There are no right or wrong answers — only your situation. Fill it in here, print it, save it, and bring it to your next conversation with a broker, counselor, or Fern.
Your answers stay on this page — nothing is sent or saved anywhere.
Your situation right now
If yes, confirm whether your employer coverage is "creditable" before dropping Part B or D.
Your Part B effective date is on your Medicare card. The window opens that day.
Advantage plans are mostly local. Supplement plans work nationwide.
How you think about cost
There is no universally cheaper option. The comparison depends on how much care you use.
Higher earners pay an income-related adjustment (IRMAA). It affects both paths.
What you've been told
Use this to flag claims from sales presentations that deserve independent verification.
Your questions before you decide
Write down what you still need to know. Bring this list to your next conversation.
Before you sign: the 5-step check
You're entitled to have every one of these answered. Tick each before you commit to anything — calmly, on your own timeline.