Answer a few quick questions. Get a personalized recommendation — no obligation, no sales pitch.
Quick primer: it really comes down to two real paths — Original Medicare (Parts A & B) plus a Medicare Supplement plan, or Medicare Advantage. Medicare Supplement is never a stand-alone option — it always works alongside Original Medicare, not instead of it. This quiz helps you see which path fits you better.
Question 1 of 9
Question 1 of 9
When are you turning 65 or enrolling in Medicare?
This helps us understand where you are in the process.
Within the next 6 months
Your enrollment window is open or opening soon
Within the next 1 to 2 years
Planning ahead — smart move
I am already on Medicare
Looking to review or switch plans
Additional Question
Do you currently have Medicare Part A and Part B?
This helps us know exactly where you stand before we get into plan fit.
Yes — I have both Part A and Part B
I only have Part A so far
Common if you just retired or are about to lose employer coverage
Not sure
Question 2 of 9
How would you describe your overall health?
Be honest — this is just for your recommendation, not an application.
Generally healthy
I rarely see doctors and take few or no medications
Moderate
I have a few conditions and see doctors a couple times a year
I use healthcare regularly
Ongoing conditions, specialists, or frequent visits
Question 3 of 9
Do you have a family history of serious illness?
Heart disease, cancer, diabetes, stroke — conditions that can mean higher healthcare use down the road.
No significant family history
Yes — one or more close relatives
Heart disease, cancer, diabetes, or similar
Not sure / I would rather not say
Question 4 of 9
Do you have doctors you want to keep seeing?
Medicare Advantage plans use networks — your current doctors may or may not be included.
Yes — keeping my doctors is very important
I have specialists or a primary care doctor I trust
Somewhat — I have a preference but I am flexible
Not really — I am open to whoever is in network
Question 5 of 9
Do you travel or spend time in multiple states?
Medicare Advantage plans are typically local. Medicare Supplement works anywhere Medicare is accepted nationwide.
Yes — I travel frequently or snowbird
I spend significant time outside my home state
Occasionally — a trip here and there
No — I stay close to home
Question 6 of 9
What matters most to you in a health plan?
Lowest possible monthly premium
I want to keep my monthly costs as low as I can
Predictable costs no matter what happens
I do not want surprise bills if I get sick
A balance of both
Question 7 of 9
How do you feel about potential hospital stay costs?
Medicare Advantage plans often charge a daily copay for hospital stays. Some people pair Advantage with a separate hospital indemnity plan to help cover that cost.
I want to avoid hospital copays entirely
Supplement plans typically don't charge per-day hospital copays
I'm comfortable adding a hospital indemnity plan
A separate policy that pays cash for each day you're hospitalized
I haven't thought about hospital stay costs
Question 8 of 9
How do you feel about referrals and prior authorizations?
Some Medicare Advantage plans require referrals to see specialists and prior approval for certain procedures.
I do not want to deal with that at all
I want to see any doctor, anytime, without hoops
I can handle some — as long as it is not excessive
Does not bother me — I am used to managed care
Question 9 of 9
What best describes your current financial situation?
Fixed income — every dollar counts
I need to keep monthly costs as low as possible
Comfortable — I can handle a reasonable premium
I would pay more monthly to avoid large unexpected bills
I prioritize peace of mind over monthly cost
Predictability matters more than the premium amount
Carriers We Work With
Mutual of Omaha
UnitedHealthcare
Aetna
Humana
Cigna
Devoted
Anthem
WellCare
Molina
Zing
Everest
Manhattan Life
United American
Physicians Mutual
We don't offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE for a full list of options.
Thomas can help you from here — contact him below ↓
One last step — where should I send your full results?
Thomas will personally review your answers and reach out with the best Medicare options for your situation. Free, no pressure.
Got it — Thomas will be in touch.
In the meantime, here is your recommendation.
That didn't go through
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Your Result
Medicare Advantage would be a strong choice for you
Carriers We Work With
Mutual of Omaha
UnitedHealthcare
Aetna
Humana
Cigna
Devoted
Anthem
WellCare
Molina
Zing
Everest
Manhattan Life
United American
Physicians Mutual
We don't offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE for a full list of options.
Here's why: your answers show you value keeping monthly costs low, and you're comfortable with the copay structure Medicare Advantage plans use for things like hospital stays. Medicare Advantage bundles Part A, Part B, and often Part D into a single plan through a private insurer. The one real alternative is Original Medicare paired with a Medicare Supplement plan — a different path that trades that bundled convenience for open access to any doctor nationwide and no daily hospital copays.
Why this fits you
This is a general recommendation based on your answers — not a quote or guarantee of coverage. Medicare Advantage plans vary significantly by carrier, location, and your specific health situation. The best way to know for sure is to speak with Thomas directly.
Keep in mind: you still need Medicare Part A and Part B to join a Medicare Advantage plan, so the standard Part B premium still applies. That premium is currently projected at $209.50/month for 2027, based on the Medicare Trustees Report — CMS confirms the official 2027 amount each November, so treat this as an estimate for now.
One more thing: since you only have Part A right now, enroll in Part B soon. Delaying can mean a monthly late-enrollment penalty added to your premium for as long as you have Medicare. You can sign up directly through Social Security — online at ssa.gov or at your local office.
Let Thomas Find the Right Plan for You
He will compare every Medicare Advantage plan available in your area — at no cost to you.
Original Medicare + Medicare Supplement would be a strong choice for you
Carriers We Work With
Mutual of Omaha
UnitedHealthcare
Aetna
Humana
Cigna
Devoted
Anthem
WellCare
Molina
Zing
Everest
Manhattan Life
United American
Physicians Mutual
We don't offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE for a full list of options.
Here's why: your answers show you value freedom, predictability, and the ability to see any doctor who accepts Medicare, without networks or referrals. One clarification worth knowing — Medicare Supplement is never a stand-alone option. It's an add-on that works alongside Original Medicare Part A and Part B to help cover the gaps they leave behind. Medicare Advantage is the one real alternative: a different path that bundles everything into a single plan through a private insurer instead.
Why this fits you
This is a general recommendation based on your answers — not a quote or guarantee of coverage. Medicare Supplement plans vary by carrier, age, and health history. In most states, waiting too long to enroll can affect your eligibility.
Keep in mind: this path requires Original Medicare Part A and Part B, so the standard Part B premium applies on top of your Supplement premium. Part B is currently projected at $209.50/month for 2027, based on the Medicare Trustees Report — CMS confirms the official 2027 amount each November, so treat this as an estimate for now.
One more thing: since you only have Part A right now, enroll in Part B soon. Delaying can mean a monthly late-enrollment penalty added to your premium for as long as you have Medicare. You can sign up directly through Social Security — online at ssa.gov or at your local office.
Let Thomas Find the Right Plan for You
He will compare Medicare Supplement plans across multiple carriers — at no cost to you.
It is close — and that is exactly why you need Thomas
Carriers We Work With
Mutual of Omaha
UnitedHealthcare
Aetna
Humana
Cigna
Devoted
Anthem
WellCare
Molina
Zing
Everest
Manhattan Life
United American
Physicians Mutual
We don't offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE for a full list of options.
Your answers suggest you are right in the middle. Both real paths — Original Medicare plus a Supplement plan, and Medicare Advantage — have merit for your situation, and the right choice depends on details a quiz cannot fully capture.
What leaned toward Medicare Advantage
What leaned toward Medicare Supplement
What to talk through with Thomas
Which doctors you want to keep — and whether they are in local networks
Your prescription drug situation and how plans handle Part D
Your actual out-of-pocket risk tolerance
What plans are actually available in your zip code
This is a general recommendation based on your answers — not a quote or guarantee of coverage. The best way to make the right call is a free 15-minute conversation with Thomas.
Keep in mind: no matter which path you choose, Medicare Part B has a monthly premium — currently projected at $209.50/month for 2027, based on the Medicare Trustees Report. CMS confirms the official 2027 amount each November, so treat this as an estimate for now.
One more thing: since you only have Part A right now, enroll in Part B soon. Delaying can mean a monthly late-enrollment penalty added to your premium for as long as you have Medicare. You can sign up directly through Social Security — online at ssa.gov or at your local office.
Let Thomas Figure This Out With You
A free 15-minute call gives you a clear answer — no obligation, no pressure.
This quiz provides general educational information only and does not constitute insurance advice, a quote, or a guarantee of coverage. Coverage availability and costs vary by carrier, location, age, and health history. Thomas Crowhurst Insurance is an independent broker — not affiliated with Medicare or any government agency. For official Medicare information visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).