Why these tools
These pages explain why the tools exist: Medicare timing and plan types are easy to mix up. Nothing here signs you up for coverage. A consult is optional, by email, if you want to talk through a result.
Research themes drawn from MedPAC focus groups, KFF beneficiary interviews, and CMS enrollment-period rules (2026 cost figures where tools show dollars).
Problem 1
Enrollment windows feel like a secret calendar
IEP, AEP, OEP, GEP, and SEPs overlap in confusing ways. OEP and GEP even share Jan 1–Mar 31 dates but serve different people. Missing the right window delays coverage or locks someone into the wrong plan until the next season.
Open matching tool →Problem 2
Turning 65 without a clear IEP plan
People who are not already on Social Security are not always auto-enrolled or notified. The 7-month Initial Enrollment Period is the highest-leverage moment—and the easiest to miss while still working.
Open matching tool →Problem 3
Late penalties usually last as long as you have Part B or Part D
Part B and Part D late enrollment penalties usually continue for as long as you have Part B or Part D. Until the monthly extra is visible, “I’ll deal with it later” feels safe.
Open matching tool →Problem 4
Advantage vs Original + Medigap overwhelms
Focus groups and KFF research show beneficiaries struggle with Parts A/B/C/D and confuse supplements with Advantage. Marketing noise makes it worse. A directional quiz lowers the cognitive load before plan shopping.
Open matching tool →Problem 5
Working past 65 creates false confidence
COBRA, retiree coverage, marketplace plans, and small-employer coverage often do not protect against Part B penalties the way active large-employer coverage can. HSA rules add another trap when Part A starts.
Open matching tool →Problem 6
Many enrollees do not review plans during AEP
Most people do not re-shop even when formularies, networks, and premiums change. An annual checklist is a way to read the notice of change before December 7.
Open matching tool →