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Your best plan option
{{view.compare_plan.medical_policy.policy_name}}
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Please select the specific drug and dosage

Part B premium

Medicare Part B premiums are income-based. Please select your income tier. (Use your income from your {{policy_year-2}} taxes.)

Compare to other plan options

Select a plan to compare to your best option.

Welcome back, {{user.first_name}}!

Let's load up your previous responses...
Here's what we accomplished last time:

Basic information about you edit
Find your current plan edit edit
Connect your current coverage edit
Find your local plan options edit
Select your doctors and prescriptions edit edit

Hello!
Let's find the Medicare plan that's best for you.



Let's Get Started!
Navigating your Medicare options shouldn't be complicated.
You're in the right place!

Great to meet you{{first_name?' '+first_name:''}}!
How can we help you today?


Continue Continue

Considering a change?

You can switch plans from until March 31st. Let's see if there's a better option for you.

Looking to change your plan?

You can change plans midyear only under special circumstances like moving to a different zip code.

You're in the right place at the right time!

Let's review your current coverage and see if there is a better plan available for you. Keep in mind that open enrollment for Medicare ends December 7th.

Considering a change?

Open enrollment has ended for this year but you can switch plans from January 1st to March 31st. Let's see if there's a better option for you.

Continue




Simulate Date


Thanks for helping! We'll do our best to make this easy for you!

When does (or did) the Medicare recipient turn 65?

Great! Let's start with the basics.

First, when did you turn 65?

Congrats!!

I turn(ed) 65 on



Next Next




{{enroll_status}}

You're a bit early to enroll
but it's good to prepare.

You'll be eligible for Medicare in {{enroll_status.days_to}} days.

You may continue to look at hypothetical plan options for you, but you won't be able to enroll yet.

Perfect timing!

If you enroll today, you'll begin coverage on your birthday. You should enroll in the next {{enroll_status.days_to}} days to avoid additional delays.

You're a little late...
(but you can still enroll!)

If you enroll today, you'll begin coverage in one month. You should enroll in the next {{enroll_status.days_to}} days to avoid additional delays.

You're a little late...
(but you can still enroll!)

If you enroll today, you'll begin coverage in two months. You should enroll in the next {{enroll_status.days_to}} days to avoid additional delays.

Time is running out...
(but you can still enroll!)

At this point, your coverage will begin three months after enrolling.

You must signup in the next {{enroll_status.days_left}} days to avoid a penalty.

Better late than never!

You're past your initial signup period, but you can still enroll. You may have to pay a 10% penalty on your premium for {{enroll_status.months}} months.


Continue


Note: If you qualify for early medicare eligibility (transitioning from Medicaid, etc.), we're not currently equipped to advise you on that transition. We recommend that you call 1-800-MEDICARE to learn about your options.


How do you feel about your current plan?

How do you feel about transitioning to Medicare for the coming year?


We'll check your current plan and see if there is a better plan that saves you money.
We'll search for plans that cover your specific doctors and prescriptions.
We'll determine if your plan will save you money overall, or if it's worth switching to another plan.
Next Next

Now to find your best Medicare plan

You have the power to make the process easy. Reclaim can connect to your current coverage, analyze your healthcare needs, and find your ideal plan.

Step 1 Connect your current health coverage Think Aetna, Blue Cross, Humana, etc.
Step 2 Our algorithms analyze your health needs Including your specialists and prescriptions
Step 3 We optimize the best Medicare plan for you Making sure your doctors and prescriptions are covered
Step 4 We help you manage your medical bills Get the most out of your plan and save on care

Next Next Next


Before we continue, let's protect your information by creating a private account.

Please provide your {{login_phone?'phone number':'email address'}}.


I prefer to use my email address I prefer to use my phone number

Next
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We sent a code to your {{login_phone?'phone number':'email address'}}

Please enter the code below.


Look for an email from noreply@reclaim.health

Resend the verification code


Next
{{views.confirm.error}}

Let's take a moment to find your current plan.
Please choose your area within the {{zip_code}} zip code.
Choose your current plan.
Here is your current plan.

Enter the zip code for your current plan.




Continue
Continue
Here are the available plans in your area.
Oops, we couldn't find plans in your area. Let's keep going. Continue
Skip this


{{old_plan.carrier.logo_url?'':old_plan.carrier.name}}

{{old_plan.policy_name}}


this is not correct


Continue

Next we'll connect to your account at {{carrier_current.name}}.

Who are you currently getting your healthcare coverage from?

Change carrier
{{carrier_current.logo_url?'':carrier_current.name}}
{{carrier_current.name}}
Member ID xxxxxxxxxxxxxx



Next
If you currently have coverage (through your employer or the marketplace), does your insurance card look similar to any of the below?
Cancel


Show more carriers

Next

Have you ever accessed your {{carrier_current.name}} portal before?


Continue Continue
Great! Now let’s connect you to your {{carrier_current.name}} insurance portal.

We've successfully connected to your account at

Please update your credentials for

Next enter your credentials for

{{carrier_current.logo_url?'':carrier_current.name}}

Use your {{views.portal_login.login_data.name}} username and password. If you haven't registered an account with {{views.portal_login.login_data.name}}, first create an account at {{views.portal_login.login_data.register_url}}.

{{views.portal_login.form_error}}
{{field.title}}
load the login form

Checking your credentials

Validating your insurance portal credentials. This can take up a few minutes after we establish connection with {{carrier_current.name}} .


{{views.portal_login.progress_max-stream_link_seconds}} seconds remaining

(It's worth the wait but you may also skip ahead...)

Skip connecting your health spending →

Oops! {{carrier_current.name}} let us know that the credentials were invalid.


Continue Continue
This is taking a little while.
We'll continue verifying your credentials in the background.

Just a few more questions before we can make a recommendation...



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Just a few more questions!


We need to understand your specific preferences and options...

Continue

What is your new zip code?

Has your zip code changed?

What is your zip code?

Medicare plan options vary depending on where you live (in order to account for care offerings in your local area).





Continue

Please choose your area within the {{zip_code}} zip code:
Searching Medicare plan options available in your area....
There are {{plans_available.length}} different Medicare plan options available in your area.

Let’s narrow it down to the plan options that are best for your needs.
Select Continue

Is it likely you'll need surgery in the next year?

Select yes if you have a surgery scheduled in the future or have an ongoing condition that could lead to surgery.
Got it! We'll help you choose a plan that features exceptional surgery coverage.
Good to know. Your recommended a plan will still cover you if you need surgery, this factor will just have less influence on our recommendation.
Continue

Do you frequently travel within the United States?

If you do, we’ll make sure that you have a large enough network of physicians and healthcare facilities available in your Medicare plan when you are on the go.
OK, we’ll prioritize Medicare plans with a large network to make sure you have peace of mind when traveling.
You may be able to save on premiums with a Medicare HMO plan mostly focused on your area.
Continue Continue

Here’s the list of doctors we’ve noticed in your recent healthcare visits.

Select the doctors you want to make sure are covered under your Medicare plan.
next

Are there {{events.doctors.length?'other':''}} doctors you’d like to make sure are covered by your Medicare plan?

Examples: Your primary care doctor. A therapist you're thinking of visiting. A specialist that you’ve scheduled a procedure with in the near future.
  • {{doctor.primary_specialty}}
    {{doctor.name_and_title}}
    remove
Continue Continue

Here’s the list of pharmacy drugs we’ve noticed in your recent healthcare bills.

Select the drugs you want to make sure are covered under your Medicare plan.
We weren't able to identify and drugs in your claims. You can indicate any drugs you'd like to ensure are covered on the next step.
next

Are there {{events.drugs.length?'other':''}} prescriptions you’d like to make sure are covered by your Medicare plan?

Search below by typing the brand or generic name.
  • {{drug.proprietary_name}}
    {{drug.medication}}
    remove
Continue

Alright! Give us a few seconds while we crunch the numbers.

{{views.calculating.error}}
  • Getting plans in your area that meet your needs.
  • ⚠️ Removing plans that don't cover your doctors and prescriptions
  • Matching you to people with a similar healthcare journey
  • ⚠️ Computing the best Medicare plan for you and ranking the rest of the plan options in your area
your best plan option

{{view.view_plcy.policy_name}}

{{view.view_plcy.policy_type}}{{view.view_plcy.is_rx_included?' + Pharmacy':''}}
{{view.view_plcy.policy_id}}
{{Math.floor(view.view_plan.percent_effectiveness*100)}}%
of people like you
save on this plan
Coverage from
{{view.policy_start | ui-date('Jan 1, 2000')}} — {{view.policy_end | ui-date('Jan 1, 2000')}}
({{view.policy_months}} months)


The Highlights

★★★★★★★★★★

Medicare Star Rating

What is a star rating?



Total Premiums

Summing the premiums for the medical, pharmacy and Part B coverage.

What is part B?

Calculate Part B
${{view.view_plan.total_premium*view.policy_months/12 | ui-decimal('0')}} + {{partb.tier.premium*12*view.policy_months/12 | ui-decimal('$0,000.00')}}Part B
total for the {{view.policy_months==12?'year':view.policy_months+' months'}}

Out of Pocket Expenses

Predicted expenses to you during the year that are likely to share in cost when you visit the doctor, fill your prescriptions, or seek any other covered healthcare service.

How did you come up with this?

${{view.view_plan.total_oop.median*view.policy_months/12 | ui-decimal('0')}}
predicted for the {{view.policy_months==12?'year':view.policy_months+' months'}}

Your Doctors Are covered

{{doctor.primary_specialty}}
{{doctor.name_and_title}}

Your Drugs Are covered

{{drug.proprietary_name}}

Additional Benefits

This plan offers you additional benefits to help you take good care of yourself!

Wellness
Dental
Vision

What's Covered

Doctor Visits

For most doctor visits, you pay a flat rate copay that depends on the nature of your visit.

Preventative
Primary care
Specialty care*
* includes mental, chiropractor, and physical therapy care
Diagnositc Procedures

Includes labs, imaging and radiology, and diagnostic procedures such as colonoscopy.

Pathology
Radiology
Diagnostic
Outpatient Care

Includes procedures you get done in an outpatient setting such as carpal tunnel surgery or a cataract removal surgery.

Outpatient
Inpatient Care

For care you receive while staying at the hospital in an inpatient status. Note that you could be at the hospital, but not necessarily be considered as an inpatient stay.

Inpatient *
* You only pay for the first few days, then the plan takes over
Emergency Care

Whenever you can, try heading to the nearest urgent care center, unless it is a life threatening situation.

Ambulance
Emergency
Medical Equipment

.

Medical
Equipment
Diabetes
Monitor

Prothetics
Prescription Drugs

Drugs are full price until your ${{view.view_plcy.rx_deductible}} deductible is met. After the deductible is met, "initial coverage" pricing below applies. (Note the deductible amount reflects your personal spending.) No deductible applies. See the chart below for drug pricing.

Deductible
${{view.view_plcy.rx_deductible}}
1 month supply Preferred
Generic
Generic Preferred
Brand Name
Brand Name Specialty
Drugs
Initial
Coverage
retail
mail





* Bold values indicate the price for lower-cost "preferred" vendors.

Once TOTAL COSTS (your spending + plan spending) reach {{partd[policy_year].gap_threshold | ui-decimal('$0,000')}}, the gap coverage rates below apply. The gap coverage tier is sometimes called the "donut hole."

Show Gap Coverage Tier
Preferred
Generic
Generic Preferred
Brand Name
Brand Name Specialty
Drugs
Gap
Coverage
Generic drugs
Brand-name drugs
Gap
Coverage
retail
mail





* Bold values indicate the price for lower-cost "preferred" vendors.

Once YOUR COSTS (your spending only) reach {{partd[policy_year].cat_threshold | ui-decimal('$0,000')}}, catastrophic coverage rates apply. At that point, you pay only 5% of all drugs.

How Does This Plan Actually Work?

Pick a healthcare scenario from one of the options below.

{{view.scenario.description}}

${{views.recommendation.scenario_item_cost(item) | ui-decimal('0,000')}}
{{item.title}}
${{views.recommendation.scenario_cost() | ui-decimal('0,000')}}

predicted cost out of your pocket

Add Coverage

{{ (view.view_plcy.package_1_premium||0)*12 | ui-decimal('$0,000') }}
per year
{{view.view_plcy.package_1_benefits.join(', ')}}
{{ (view.view_plcy.package_2_premium||0)*12 | ui-decimal('$0,000') }}
per year
{{view.view_plcy.package_2_benefits.join(', ')}}
{{ (view.view_plcy.package_3_premium||0)*12 | ui-decimal('$0,000') }}
per year
{{view.view_plcy.package_3_benefits.join(', ')}}


No additional package options.

Compare to other options