A short list of Medicare plans, ranked for your doctors, your drugs and your costs.
Medicare's own Plan Finder will show you every plan in your county. That is the problem, not the solution. Dozens of plans, each with its own network, drug list and cost structure, and no practical way to see which ones keep the doctors you already have and the drugs you already take.
So the useful work is subtraction. We rule out the plans that cannot work for you and send back the two or three that can, compared only on the things you told us decide it. Where a doctor listing is what decides your choice, we phone the office and ask a person, because insurer directories are frequently wrong. What arrives is compact and exact: the differences that matter, stated plainly, with anything we could not confirm flagged as unconfirmed. You choose, and you enroll yourself.
1. You tell us your situation
Your current coverage, doctors, prescriptions, pharmacy, and what matters most. A few minutes.
2. We research, and we pick up the phone
We check every plan in your county against your doctors and drugs, then call the offices that matter to confirm what the directory claims.
3. You get a short list, not a report
Two or three plans that actually work, ranked the way you ranked your priorities, with the deciding differences up front. Typically within 3 business days.
What you actually get
- A short list, not a catalog. Usually two or three plans. We rule the rest out and tell you why, so you are deciding between real options instead of scrolling through dozens.
- The deciding differences, first. It opens with what actually separates your options, in a short paragraph you can read in under a minute. The detail sits underneath it if you want to check our work.
- Ranked your way. Ordered by the priorities you gave us, not by premium and not by what would be easiest to sell you.
- Your doctors, confirmed by phone. Not "the directory says yes." Where a doctor or hospital decides your choice, we call the office and ask whether they are taking that specific plan for next year, because the directory is the single least reliable document in this process.
- Your drugs, checked. Whether each prescription is on the plan's drug list, at what tier, with any restrictions.
- Original Medicare and Medigap considered where relevant, not just Medicare Advantage.
- Honest uncertainty. If an office would not give a straight answer, we write it down as unconfirmed instead of printing a green checkmark we cannot stand behind.
- Your enrollment steps. Once you choose, the exact instructions and deadlines to enroll yourself.
What the $99 actually buys
- The elimination work. Every plan in your county screened against your doctors and your drug list, so that you only ever read the few that survive it.
- A person who telephones provider offices on your behalf and asks the awkward question directly.
- A written answer ordered by the priorities you gave us, in plain language, short enough to actually read.
- Hours of phone-tree time that would otherwise be yours.
What it is not
- Not a web search or an AI summary. Those are free, and they read the same provider directories that are wrong. A confident-sounding answer built on bad data is worse than no answer.
- Not an insurance agent. We sell no insurance and take no commissions, so there is no plan we get paid more to put in front of you.
- Not an enrollment service. We hand you the facts that decide it. You make the final call and complete your own enrollment, with us or without us.
- Not a subscription. One flat $99, once.
The evidence behind that phone call
This is not a hunch. A 2023 U.S. Senate Finance Committee investigation sent secret shoppers to call providers listed in Medicare Advantage directories and found the large majority were unreachable, not accepting new patients, or not actually in the network. In late 2026, some Medicare Advantage directories still listed major hospital systems as in-network only weeks before those hospitals were scheduled to exit on January 1. A plan chosen off a directory alone can cost you your doctor in January, which is the one outcome this service exists to prevent. If you want to run the check yourself, here is how to find out whether your doctor is really in-network.
Find my Medicare plan
A few quick questions, about a minute. Then the flat $99, and we email you the short list we need (your doctors, your prescriptions, your pharmacy). We check every plan in your county against them, call the offices that matter to confirm what the directory claims, and send your answer within 3 business days.
But an agent will do this for free
True, and for many people a licensed agent is a perfectly reasonable place to start. It is worth understanding how the free part is paid for. The agent is paid a commission by whichever plan you end up choosing, can only offer plans they hold a contract with, and those contracts do not all pay the same. None of that makes an agent dishonest, and plenty of them are very good. It does mean the list you are shown has been shaped by something other than your doctors and your prescriptions.
We are paid by you, once, and by nobody else. We sell no insurance, hold no plan contracts, and there is no plan we earn more by putting in front of you. If the right answer turns out to be the plan you already have, we will tell you that, and you will have paid $99 to stop worrying about it.
CareRoute Find My Medicare Plan is an independent research and comparison service. It is not insurance and not a recommendation of any specific plan. CareRoute does not sell insurance and does not receive plan commissions. Plan networks and drug lists can change; we verify against the most current information available and flag what we cannot confirm. You make the final decision and complete your own enrollment. Confirm details with the plan or 1-800-MEDICARE (1-800-633-4227) before enrolling. Last updated: September 2026.