Plan-Fit Consultation

Recently retired, employer coverage ending

Just retired, employer coverage ending next month, no clear preference yet.

Training material only. Not legal, compliance, or enrollment advice. Always defer to current CMS guidance, your FMO's compliance team, and your carrier certifications. See disclaimers.

Client profile

Region: Suburban Northeast
Age band: 65–69
Budget: Flexible.
Medications: One tier-2 generic; one tier-3 brand.
Providers: Established primary care doctor; occasional specialist visits.
Travel: Regional only.
Chronic conditions: One well-controlled condition.

Client priorities

Continuity with current doctor
Understand the tradeoffs before committing
Compliant enrollment during a SEP for loss of coverage

Which product path would you recommend?

Stay on Original MedicareParts A + B only. No supplemental coverage.Medicare Advantage — HMONetwork-based MA plan, typically referrals to specialists.Medicare Advantage — PPOBroader network access, in- and out-of-network cost-sharing.MAPD (MA with Part D)MA plan bundled with prescription drug coverage.Medigap + stand-alone PDPMedicare Supplement plan paired with a Part D plan.

Best-fit picks: 0/0 — no attempts yet.

Sources

Reviewed Jul 15, 2026 · GoAEP editorial

CMS — Choosing a Medigap Policy
Standardized Medigap benefits chart including grandfathered C/F.
42 CFR §423.38
Part D enrollment and election periods.
medicare.gov — Enrollment periods
Consumer-facing overview of enrollment period timing.

Not marketing material. Not for consumer distribution. CMS rules evolve — verify against current guidance before use.

Educational drill only. Rules and CMS guidance evolve — always defer to current CMS publications, your FMO compliance team, and your carrier certifications.