FreeMedicareTools
← All tools

Turning 65 · Tool 3 of 4

Coverage Path Quiz

See how your answers line up with Original Medicare plus Medigap or with Medicare Advantage.

I travel or split time across states often.
I need to keep specific doctors or specialists.
I want to see specialists without a referral.
I am comfortable getting care inside a plan’s network of doctors and hospitals.
I prefer one plan that sets what I pay for covered services, including a yearly maximum.
I prefer a separate Part D plan for drugs, rather than drug coverage inside the same plan.

Answer every question to see which structure lines up.

How the two structures line up shows here as you answer. You can change any Yes or No and the slider updates.

For official information and to compare all plans in your area, visit Medicare.gov or call 1-800-MEDICARE (TTY 1-877-486-2048). Related: Medicare Plan Finder · Medigap basics.

Next tool

Penalty Estimator

See one year of the Part B and Part D late penalty, in dollars. The extra usually continues for as long as you have Part B or Part D.

Open →

Educational estimates only—not Medicare, CMS, or Social Security advice. Figures use published 2026 reference amounts and can change. A licensed agent can review your situation before you choose or change coverage.