Medicare Coverage Assessment — Internal Preview
INTERNAL PREVIEWMedicare Quiz Funnel — Team Review
The Health Exchange Agency
Medicare Coverage Assessment

Find Out Which Medicare Coverage May Fit Your Situation

Answer a few quick questions and receive a personalized recommendation — free, no obligation.

Question 10%
First, a quick question
Where are you in your Medicare journey?

Select the option that best describes your situation — the entire assessment will be tailored for you.

Takes 2 minutes  ·  No obligation  ·  Licensed agents available

One more quick question
What type of Medicare coverage do you currently have?
This determines which path of the assessment you take — the questions will be completely different depending on your answer.
Question 1 of 2
Beyond your Medicare Part B premium — do you pay a monthly premium to a private insurance company?
Your Medicare Part B premium is deducted from Social Security. A separate monthly payment to a private insurer suggests either a Supplement or Advantage plan.
Question 2 of 2
Do you have a separate insurance card besides your red, white, and blue Medicare card?
Your federal Medicare card is red, white, and blue. A second card from a private insurer indicates supplemental coverage of some kind.
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Question 1 of 7
When are you turning 65?
Your timing matters — people turning 65 have a limited window to enroll in any Medicare Supplement plan without health questions being asked.
Question 2 of 7
If cost wasn't a factor, how important would it be to see any doctor or hospital anywhere — without restrictions?
Medicare Supplement plans allow you to see any doctor or hospital nationwide that accepts Medicare — no referrals, no networks required.
Question 3 of 7
Would it bother you to need a referral before seeing a specialist — or insurance approval before certain procedures?
Some Medicare plans require prior authorizations or referrals. Medicare Supplement plans generally do not have these requirements.
Question 4 of 7
How would you describe your lifestyle?
Medicare Advantage plans use local provider networks. If you travel or split time between states, your coverage access can be affected when you're away from home.
Question 5 of 7
When you think about healthcare costs in retirement, which concerns you more?
Different Medicare options handle out-of-pocket costs very differently. Some protect from large unexpected bills. Others keep monthly costs low but expose you to more risk.
Question 6 of 7
Which best describes what you want from your Medicare coverage?
There's no wrong answer — this helps us understand your priorities before making a recommendation.
Question 7 of 7
Medicare Supplement plans typically cost $150–$300/month. Medicare Advantage plans are often $0 premium but include copays, network restrictions, and prior authorizations. Which best fits your situation?
This is the most important question — be honest. There's no wrong answer, and it helps us make the right recommendation for you specifically.
Question 1 of 7
How long have you been on your current Medicare Advantage plan?
Understanding your history helps us know whether options may be available to you now or whether you need to plan for the next enrollment period.
Question 2 of 7
Have provider networks or referrals ever made it harder to get the care you needed?
Medicare Advantage plans use provider networks and often require referrals to see specialists. Medicare Supplement plans have no networks and require no referrals.
Question 3 of 7
Have you ever had a claim denied or had to fight your insurance company to pay a bill?
Prior authorization denials are increasingly common with Advantage plans. Medicare Supplement claims are rarely disputed because benefits are federally standardized.
Question 4 of 7
Have unexpected out-of-pocket costs — copays, coinsurance, or deductibles — added up more than you expected?
While Advantage plans often have $0 premiums, out-of-pocket costs when you use care can add up quickly. Medicare Supplement plans typically cover most of these costs.
Question 5 of 7
Do you travel frequently or spend time in multiple states during the year?
Medicare Advantage networks are typically local. If you travel or split time between states, you may have limited coverage when you're away from home.
Question 6 of 7
If you had a serious health event, would you want to go directly to any specialist or hospital in the country — without asking permission first?
When health is at its most critical, the last thing you want is to wait for a prior authorization or be limited to in-network specialists.
Question 7 of 7
If you could have a plan with no networks, no referrals, and no prior authorizations — would that freedom be worth a monthly premium?
Medicare Supplement plans typically cost $150–$300/month but eliminate nearly all the restrictions that come with Advantage plans. This is the core tradeoff.
Question 1 of 6
Which Medicare Supplement plan letter do you currently have?
Different plan letters offer different levels of coverage. This helps us understand your situation and what options may be available to you.
Question 2 of 6
Have your Medicare Supplement premiums increased over the past year or two?
Medicare Supplement benefits are federally standardized — every Plan G covers the same things. Carriers only compete on price, which means rate increases are a signal you may be overpaying.
Question 3 of 6
How long has it been since you last compared rates from other Supplement carriers?
Because Supplement benefits are identical across all carriers, shopping costs you nothing — same coverage, potentially lower bill.
Question 4 of 6
Have your healthcare needs or usage changed since you first enrolled in your supplement plan?
As healthcare needs evolve, so does the value of different coverage options. What made sense at enrollment may not be optimal today.
Question 5 of 6
Are you aware that switching Medicare Supplement carriers doesn't change your benefits at all — only your monthly cost?
A Plan G from one carrier and a Plan G from another covers exactly the same things by federal law. Switching is purely a financial decision — same doctors, same coverage, different bill.
Question 6 of 6
If you could get the exact same coverage you have now for a lower monthly premium, would you want to know about it?
Many people save $100–$200/month by switching to a lower-cost carrier for the same plan letter. A free comparison takes 15 minutes.
Question 1 of 5
How long have you had Medicare without any supplemental coverage?
Understanding your history helps us know whether you may still have guaranteed-issue enrollment rights or need health underwriting.
Question 2 of 5
Were you aware that Original Medicare has no cap on your out-of-pocket costs — meaning a serious illness could cost you tens of thousands of dollars in a single year?
Unlike employer health plans, Original Medicare has no maximum out-of-pocket limit. You pay 20% of all Part B costs indefinitely with no ceiling.
Question 3 of 5
If you had a major medical event — a heart attack, serious surgery, or cancer diagnosis — how prepared are you to handle tens of thousands of dollars in out-of-pocket costs?
This is an honest self-assessment. There's no wrong answer — this helps us make the right recommendation for you specifically.
Question 4 of 5
Have you had any significant unexpected medical expenses since enrolling in Medicare?
Many people on Original Medicare haven't yet experienced a major health event. When they do, the financial impact can be sudden and significant with no cap on what they could owe.
Question 5 of 5
If a Medicare Supplement plan could protect you from unlimited out-of-pocket exposure for roughly $100–$200 per month — would that peace of mind be worth exploring?
Many people are surprised how affordable supplemental coverage can be relative to the risk of going without. A 15-minute call is all it takes to find out what's available in your area.
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Analyzing Your Responses
We're building your personalized Medicare recommendation based on your priorities and situation.
✓ Coverage type and history
✓ Coverage priorities and preferences
✓ Available options for your situation
Preparing your recommendation...
Almost there
Where should we send your results?
A licensed Medicare specialist will call to walk you through your personalized recommendation — free, no obligation.

By submitting, you consent to be contacted by a licensed insurance agent about Medicare options. No obligation to enroll. Your information is secure and never sold.

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Your personalized recommendation
Medicare Supplement
Based on your answers, a Medicare Supplement plan aligns strongly with your priorities for coverage, freedom, and financial protection.
✓You value the freedom to choose any doctor or specialist without restrictions
✓You prefer making your own healthcare decisions without referrals or prior authorizations
✓You want strong protection from large unexpected medical bills
✓You can afford the premium and believe the comprehensive coverage is worth it
Book Your Free Consultation
A specialist will confirm this recommendation and walk you through your best plan options.
or call us directly

Free, no pressure, no obligation — just clarity about your best Medicare option.

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Your personalized recommendation
Medicare Advantage May Be Worth Exploring
Based on your answers, keeping monthly costs low is your primary priority. Your agent will walk through both options honestly so you can make a fully informed decision.
ℹKeeping monthly costs as low as possible is your stated priority
ℹMedicare Advantage plans often have $0 or very low monthly premiums
ℹYour agent will walk through the tradeoffs honestly so you can make a fully informed decision
Book Your Free Consultation
Your agent will walk through both options honestly — no pressure either way.
or call us directly

Your agent will explain both options honestly so you can make the best decision.

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Your coverage review
A Medicare Supplement May Be a Better Fit
Based on your answers, the limitations of your Advantage plan appear to be affecting your care and peace of mind. There are likely better options available.
✓Provider network or referral restrictions have been frustrating for you
✓Medicare Supplement plans eliminate networks, referrals, and prior authorizations entirely
✓A specialist can review whether you qualify for a Special Enrollment Period now
ℹIf no SEP is available, your agent will help you prepare for the next Annual Enrollment Period
Book Your Free Coverage Review
A specialist will walk through your options including what may be available right now.
or call us directly

Healthcare needs often change. A second opinion costs nothing.

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Your coverage review
Let's Make Sure You're Ready for Open Enrollment
Your current Advantage plan seems to be working reasonably well. The Annual Enrollment Period (Oct 15 – Dec 7) is your opportunity to review all options — and it pays to prepare early.
📅Annual Enrollment Period runs October 15 – December 7 each year
ℹPlans, premiums, and networks change every year — a proactive review prevents surprises
✓Getting ahead of AEP means you won't be rushed when the window opens
Schedule Your AEP Planning Call
Get ahead of enrollment season — a specialist will review your options.
or call us directly

No obligation — this is a planning conversation, not a sales call.

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Your coverage review
You May Be Overpaying for Identical Coverage
Medicare Supplement benefits are federally standardized — every Plan G covers exactly the same things. Based on your answers, a rate comparison is worth doing.
✓Your premiums have increased and you haven't compared rates recently
✓Switching carriers doesn't change your benefits — only your monthly cost
✓We compare 30+ carriers to find your lowest available rate
Book Your Free Rate Comparison
A specialist will compare rates from 30+ carriers for your specific plan, age, and ZIP code.
or call us directly

If your current rate is already the best available, we'll confirm that too.

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Your coverage review
Your Coverage Sounds Like It's Working Well
Based on your answers, you appear satisfied with your current supplement plan. That said, carrier rates change annually — a quick check-in is always worthwhile.
✓Your premium has been stable and you've recently compared rates
ℹEven satisfied customers benefit from an annual check — carriers adjust pricing every year
Schedule a Quick Annual Check-In
15 minutes to confirm you're still getting the best available rate — free, no pressure.
or call us directly

No obligation — if everything checks out, we'll confirm you're in great shape.

⚠Original Medicare has no cap on your out-of-pocket costs. A serious illness could expose you to tens of thousands of dollars with no limit.
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Your coverage review
You Have a Significant Coverage Gap
Based on your answers, your current situation leaves you with meaningful financial exposure. The good news — it's straightforward to address.
⚠Original Medicare has no out-of-pocket maximum — a serious illness could cost tens of thousands
✓Both Medicare Supplement and Advantage options may be available to protect you now
✓Coverage can often be put in place quickly — a 15-minute call is all it takes
Book Your Free Coverage Consultation
A specialist will explain your options and help you get protected — this is time-sensitive.
or call us now

The sooner you have coverage in place, the sooner you're protected.

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Your coverage review
You've Made a Considered Decision — Here's What We'd Want You to Know
You're aware of the exposure and have the financial means to self-insure. That's a legitimate choice. But even financially prepared individuals often find supplemental coverage makes more sense than expected.
ℹEven with significant assets, the predictability of a supplement often outweighs the cost
ℹMany financial advisors recommend supplements regardless of net worth — it's risk management
✓A 15-minute call costs nothing and may change how you think about your approach
Schedule a No-Pressure Information Call
No obligation to change anything — just a conversation to make sure you have the full picture.
or call us directly

We respect your decision — we just want to make sure it's fully informed.

✓ Licensed in 40 states
✓ 30+ carriers
🔒 Info is secure
✓ 100% free