Independent Medicare comparison
Turning 65, or already on Medicare? Compare Medicare Advantage, Medicare Supplement and Part D plans from multiple insurance companies in your service area — then if you want, enroll online or call a licensed agent who lives where you do.
How it works
Start by providing us your ZIP code, and we will show you Medicare plans from multiple insurance companies in your service area.
Choose Medicare Advantage, Medicare Supplement, or stand-alone Part D prescription drug coverage. We will provide you plan comparisons built for that type of coverage.
Providing your ZIP code allows us to show available plans in your area. You'll see plans from multiple companies along with their premiums, cost sharing and benefits in your service area.
Compare plans from multiple companies side by side and enroll online — or connect with a licensed agent in your area who can walk you through it, at no cost.
Medicare, with a human option
Medicare is a lot to sort through. Compare plans on your own — or talk to a licensed insurance agent in your area who can compare options across companies, answer your questions, and help you enroll.
It costs you nothing. Agents may be compensated by the insurance company upon enrollment. There is never an obligation to enroll.
Find a licensed agent near youOur website displays Medicare plans we offer in your service area. You can review multiple plans, benefits, cost sharing, see if your provider is in the plan’s network and much more.
If you prefer to work with one of our local insurance agents they are here to help. Local agents are familiar with your area, compare multiple plans with you, explain benefits, verify if your doctor(s) and hospitals are part of a plan’s preferred provider network, and much more. Agents may not offer every plan shown on our website because they can choose which plans to represent. You can find a list of our local agents on MedicareAgents.com, a directory owned and operated by Benefits Life. The “Insurance Companies Represented” section will show you which insurance company plans the agent offers.
Free tools & calculators
Run the numbers yourself — right here, with every figure and rule cited to its official source. Nothing you enter is stored or sent anywhere.
Your 7-month Initial Enrollment Period, when coverage starts, and your Medigap window — from the rules in CMS's official Medicare handbook.
Show my windowsSee if your income adds a surcharge to your Medicare Part B and Part D premiums — using the 2026 figures published by CMS.gov.
EstimateSigned up late? Estimate the lifetime surcharge from your gap, dollarized at the 2026 standard premium.
Estimate my penaltyWent 63+ days without creditable drug coverage? Estimate the monthly penalty with the handbook's own formula.
Estimate my penaltyEstimate the premium tax credit you may qualify for on a marketplace plan.
Check savingsFigure out how much life insurance your family would actually need.
Size it upLatest from the blog
Timely reads on Medicare, health coverage, and the costs that change every year — cited to the official figures.
Medicare
Yes. Medicare covers part-time skilled care at home — nursing, physical therapy, occupational and speech therapy, and home health aide services alongside them — when a doctor certifies you need it, you're homebound, and a Medicare-certified agency provides it. You pay nothing for covered home health services; equipment is billed separately.
October 6, 2026
Medicare
Yes — Medicare Part B covers ground ambulance transportation when traveling any other way could endanger your health, and emergency air ambulance when ground transport can't get you there in time. You generally pay 20% of the Medicare-approved amount after the Part B deductible. Non-emergency rides are covered only in limited, medically necessary situations.
September 29, 2026
Medicare
Yes. Medicare Part B covers medically necessary outpatient physical therapy, with no annual cap on how much therapy Medicare will pay for. After the Part B deductible, you pay 20% of the Medicare-approved amount; therapy during a covered hospital or skilled nursing stay falls under Part A, and home health rules are different again.
September 22, 2026
Medicare
Medicare Star Ratings are Medicare's own 1-to-5 score of how well a Medicare Advantage or Part D plan performs on quality, member experience, and customer service. They're published each fall before Open Enrollment, they can open a special enrollment window, and they don't tell you whether a plan covers your doctors or your drugs.
September 15, 2026
Medicare
A denial is a decision, and a decision can be reviewed. Medicare's appeals process has five levels, and each one has its own filing deadline and its own response time — which differ depending on whether you have Original Medicare or a Medicare health plan.
September 8, 2026
Medicare
A Medicare drug plan's formulary is the list of drugs it covers and the tier each one sits on. Here is how that list is built, what the coverage rules attached to it do, and the process for asking a plan to make an exception.
September 1, 2026
Medicare
Medicare Advantage and Part D plans send an Annual Notice of Change in September describing what will be different in January. It is the one document that tells you whether next year's version of your plan is still the plan you chose.
August 25, 2026
Medicare
Medicare Supplement insurance has its own enrollment timing, separate from the fall dates. A six-month period tied to Part B, defined situations that carry the same protection later, and state rules that can be broader than the federal ones.
August 18, 2026
Medicare
Employer coverage can let you delay Medicare without a penalty — or leave you exposed — and the deciding factor is usually how many people your employer has. Here is how the rule works, and what the windows on either side look like.
August 11, 2026
Medicare
Original Medicare has no out-of-pocket ceiling — the 20% you pay has no cap. Medicare Advantage caps costs at up to $9,250 in 2026, and Medigap works differently again. Here's the honest map.
August 4, 2026
Medicare
Part B is $202.90, the Part A hospital deductible is $1,736, and Part D finally has a $2,100 cap. Here's what each one means for you.
June 21, 2026
Medicare
Original Medicare covers almost nothing outside the U.S. Here's what that means for travel, and the coverage that fills the gap.
June 21, 2026
Why PlanMatch
PlanMatch is a privately-owned, independent comparison website — not an insurance company. It's built and proudly owned by Benefits Life. An insurance company can only show you its own plans; we do it a little different. We offer plans from multiple insurance companies available in your service area and can provide you side by side comparisons.
When you'd rather not go it alone, we connect you with our network of licensed insurance agents who can compare plans across companies and help you enroll. You're never handed off to a call center reading a script — and you're never charged for the help.
Everything on our website is based on recent information from sources like Medicare.gov, CMS.gov, Medicaid.gov, SSA.gov and IRS.gov, and reviewed by our editorial team. We'd rather be the source you trust than the loudest banner on the page.