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Start here: five questions, your path

Five taps and the path finder routes you: which program you have, your VA cost status, how much civilian care you use, whether you travel, and whether you'd rather minimize monthly cost or worst-case risk — answered with a recommended setup and the three pages that explain it.

The 60-second path finder

No wrong answers, nothing saved, nothing sold — five questions, then your reading list.

What this is — and isn't

The path finder is a router, not advice: it maps your answers to the setup most households in that position end up examining first, then hands you the pages that argue it properly — quick answers up top, honest trade-offs underneath. Every route ends at the same three free resources: this site's guides, Medicare.gov, and a licensed agent who can price the recommendation against your county's actual plans. Nothing here enrolls you in anything, and "keep exactly what you have" is a route several answer-combinations produce on purpose.

Frequently asked questions

I have both VA Healthcare and TRICARE for Life. Which should I pick in question 1?
TFL — it's the stronger driver of the civilian-side setup. Your VA care layers on top regardless, and the result will say so.
Does the path finder store my answers?
No — it runs entirely in your browser, saves nothing, and sends nothing. Reload the page and it forgets you.
What if my situation is more complicated than five questions?
It probably is — that's what the linked deep guides and the free agent conversation are for. The finder picks the right starting shelf, not the final answer.

Related guides

The printable rulesThe five facts behind every route.The comparisonsWhen two routes look close.Before the agent callWhat to bring, what to ask.

You earned these benefits. Make them work together.

Whether you keep exactly what you have or add Medicare coverage alongside it, the right answer depends on your health, budget, and how you like to get care.

Find a Medicare AgentCompare Plan Options

No cost, no obligation. You can also get help from Medicare.gov, 1-800-MEDICARE (TTY 1-877-486-2048), or your local SHIP office.