Enrollment Window Checker
Enter your birthday and get your exact Initial Enrollment Period dates, your Medigap open enrollment window, and the deadlines that carry lifetime penalties.
Check my datesFree tool
Advantage or Supplement?
Six questions. It won't name a plan — no honest tool can — but it will tell you which side of the fork your situation points to, and what would change the answer.
Where this points
This runs entirely in your browser. Nothing you select is sent anywhere or stored.
It is a directional read on plan structure, not a recommendation of any specific plan, carrier or product. A real recommendation requires checking your named doctors against each network and pricing your named medications against each formulary — which is what a conversation is for.
How the scoring works
There is no black box here, so here is the whole logic. Four of the six answers push toward one structure or the other:
- Doctors and travel push toward a Supplement, because a supplement has no network — any provider who accepts Medicare accepts it, anywhere in the country.
- Premium sensitivity and low usage push toward Advantage, because you pay little or nothing monthly and only pay when you use care.
- Frequent care pushes toward a Supplement — copays add up faster than premiums when you are in a clinic often.
- Dental, vision and hearing push toward Advantage, where they are commonly bundled rather than bought separately.
Why timing changes the answer
If you are new to Medicare, your Medigap open enrollment period means a Supplement is available to you without health questions. That window runs six months from the month you turn 65 and are enrolled in Part B, and it does not come back. If the result leans toward a Supplement and you are in that window, the timing matters as much as the reasoning.
If you have been on Medicare a while, moving to a Supplement generally means answering health questions in Arizona. That does not make it impossible — it makes it something to check before you plan around it.
Other tools
While you're here.
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1 min -
3 min Annual Cost Estimator
Compare what a year on a Medicare Advantage plan versus a Supplement plus Part D would realistically cost you — premiums, deductibles and expected visits included.
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1 min IRMAA Surcharge Estimator
Higher income means a surcharge on Part B and Part D. See which bracket your tax return puts you in before the letter arrives.
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2 min Plan G vs Plan N
Plan N costs less each month but adds copays and leaves excess charges to you. Find the number of visits where the two swap places.
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1 min Part B Giveback Estimator
Some Advantage plans pay back part of your Part B premium. See what a giveback is actually worth — and what it does not touch.
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1 min Part A Premium Calculator
Most people get Part A free on 40 work quarters. Fewer than that and there are two tiers — find out which one applies to you.
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2 min Cost of Care Estimator
In-home help, assisted living or skilled nursing — what each realistically costs per year in Arizona, and what Medicare pays toward it.
Estimate care costs
Next step
Let’s look at your actual options.
One conversation, no cost, no obligation. Bring your prescription list and your doctors — that is all it takes to do real work. You’ll speak to Brian Penner directly.