Medicare Advantage
Select_prioritiesAll-in-one plans from private insurers that bundle Part A and Part B, usually with a provider network and often with extra benefits built in.
Medicare Decision Engine · 2026
Decide on your Medicare plan with confidence.
Medicare has a handful of real choices — not hundreds. Tell us where you are today, and we'll show you in plain English which plan types usually fit, then connect you with licensed agents who can compare what's available where you live.
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Start your decision
Root_node
Where are you today?
General_information_only · No_personal_data_collected_here
Matrix_01
Match your priorities
Turn on what matters most to you. The plan types below will show how well each one generally lines up with what you picked — in words, not scores.
Your_priorities
General information only — a licensed agent can confirm what's available where you live.
Plan_types
Medicare Supplement + Part D
Select_prioritiesOriginal Medicare plus a supplement policy that helps with out-of-pocket costs, paired with a separate drug plan. Any provider who accepts Medicare.
Part D only
Select_prioritiesA standalone prescription drug plan added to Original Medicare. It covers medications only — it doesn't change your medical coverage.
Process
How the decision works
Step_01
Tell us your situation
Pick the branch that sounds like you. No forms, no personal details on this page.
Step_02
See which plan types fit
Plain-English explanations of what each plan type does — and what to check before you choose.
Step_03
Talk to a licensed agent and enroll
Connect with licensed agents who can compare what's offered in your area and help you enroll.
Timeline
Key dates
Medicare runs on windows. Knowing which one you're in tells you what you can change right now.
Around your 65th birthday
Your Initial Enrollment Period opens before your birthday month and stays open for a few months after it.
Annual Enrollment Period
The yearly window to join, switch or drop a Medicare Advantage or Part D plan. Changes generally start January 1.
Medicare Advantage Open Enrollment
If you're already in a Medicare Advantage plan, this is a second chance to switch plans or return to Original Medicare.
After a life change
Moving, losing employer coverage or other qualifying events may open a Special Enrollment Period outside the usual windows.
Reference
Plan types, decoded
Medicare Advantage (Part C)
- ✓Bundles Part A and Part B into one private plan.
- ✓Often includes drug coverage and extra benefits.
- ✓Usually uses a provider network and service area.
Medicare Supplement (Medigap)
- ✓Works alongside Original Medicare.
- ✓Helps with costs Medicare doesn't fully cover.
- ✓No network — any provider accepting Medicare.
Part D — prescription drugs
- ✓Standalone coverage for medications.
- ✓Each plan has its own covered-drug list.
- ✓Going without creditable coverage can mean a late penalty.
Extra Help / LIS
- ✓A federal program that helps with Part D costs.
- ✓Eligibility depends on income and resources.
- ✓Worth asking about even if you're unsure you qualify.
Questions
Frequently asked
Q_01Does HealthsDecision cost anything?
No. This site is free to use, and speaking with a licensed agent about your options carries no obligation to enroll.
Q_02Are you part of Medicare or the government?
No. HealthsDecision is a private, independent resource. We are not affiliated with or endorsed by the U.S. government or the federal Medicare program.
Q_03Why don't you show prices or plan names?
Plans, benefits and availability vary by location and can change. Rather than publish numbers that may not apply to you, we explain how the plan types differ and let a licensed agent confirm what's actually offered in your area.
Q_04Can I keep my current doctors?
It depends on the plan type. Original Medicare with a supplement lets you see any provider who accepts Medicare, while Medicare Advantage plans generally use a network. Always check your doctors before switching.
Q_05What if I miss an enrollment window?
You may still qualify for a Special Enrollment Period after certain life events, such as moving or losing employer coverage. Late enrollment can also create permanent penalties, so it's worth asking sooner rather than later.
Q_06What happens when I click through to compare plans?
You're taken to a partner site where you can review plan options and be connected with third-party licensed insurance agents. You decide whether to continue — there's never an obligation to enroll.
Next_step
Ready to see what's available where you live?
Compare plan options and talk things through with a licensed agent — free, with no obligation to enroll.