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The Chapter 5 test, made to actually work

Which path is right for you?

Nine questions, and an answer that shows its reasoning. Nothing is sent anywhere, nobody calls you, and there is no plan to buy at the end.

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Before you start

This gives you a direction, not a purchase

There is no universally correct answer between Original Medicare with a Medigap policy and Medicare Advantage. There is an answer that fits your doctors, your travel, your prescriptions and your budget. These nine questions are Chapter 5 of the book, weighted the way the book weights them. Take the result to a free SHIP counsellor, who earns no commission either.

1. Do you have doctors you want to keep?
2. Do you travel, or spend part of the year in another state?
3. Would an unexpected $9,000 medical bill be a serious problem?
4. Can your budget carry a Medigap premium on top of Part B?
5. Do you have chronic conditions or see specialists regularly?
6. How do you feel about asking a plan for permission before care?
7. How much do dental, vision and hearing extras matter to you?
8. Where are you in the process right now?
9. Do you take brand-name prescriptions?

This is a reading of your answers, not advice, and not a recommendation of any insurer. Chapters 5 through 9 are where the reasoning lives. Free unbiased help: shiphelp.org or 1-877-839-2675.

On paper

The same decision as one picture

Print it, or use the interactive version on this page, which asks you the same questions and shows its reasoning.

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