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For licensed Medicare advisors

A defensible
Medigap
recommendation
in minutes.

Enter a client's health profile. We map their conditions to Medicare benefit gaps, rank the ten standardized Medigap plans against those gaps, and model cost scenarios across a healthy, moderate, and high-cost year.

$79/mo after trial · no card to start · HIPAA BAA-ready

Analysis · 2026 Plan Year
Recommended: Plan G
M. Hernández, 68
Type-2 diabetes · Hypertension · ZIP 331 (FL) · Female, non-tobacco
Gap exposure
Part A hospital coinsurance
Part B coinsurance (20%)
Skilled nursing days 21–100
Part B excess charges
Healthy yr
$1,842
Moderate
$2,613
High-cost
$4,120
Validated against CMS Fact Sheet 2026
$1,736
Part A deductible
$283
Part B deductible
20%
Part B coinsurance
10
Medigap letters (A–N)
2026
CMS figures year
How it works

Four steps.
Not a spreadsheet.

CMS standardization guarantees that Plan G from any insurer covers exactly the same benefits as Plan G from any other insurer. We handle the analytical work. You handle the insurer relationships.

01
Identify coverage gaps

Enter conditions, medications, and expected services. We map each one to specific Medicare benefit gaps and calculate dollar exposure.

02
Rank plan letters A–N

All eligible Medigap plans scored against the client's gaps, with enrollment context (OEP, guaranteed issue) accounted for.

03
Model three cost years

Healthy, moderate, and high-cost scenarios priced from CMS 2026 figures so clients see the full range, not a single number.

04
Deliver a branded PDF

Your name, phone, logo, and disclaimer. Generated server-side, delivered in seconds. You keep the client relationship.

What's inside

Updated yearly for CMS cost changes
Gap exposure, quantified

Each identified gap comes with a dollar-amount exposure estimate based on CMS cost figures and configurable utilization assumptions.

RxNorm medication search

Autocomplete powered by the NLM RxNorm API — debounced, keyboard-navigable, and auth-gated to prevent PHI leakage.

State-level availability rules

Under-65 Medigap availability and gender-pricing factors tracked per state. Warnings surface automatically at analysis time.

Server-rendered PDFs

Your name, logo, phone, email, and website baked into the cover page. Sanitized filename. One click, no queue.

HIPAA BAA-ready

Module-boundary billing enforcement, nonce-based CSP, application-layer auth on every action, MFA with WebAuthn, audit chain.

Secure client delivery

Download a watermarked PDF and share it with your client through your own firm's secure email — we focus on the analysis; your firm keeps the client relationship.

Sample deliverable

A PDF you'll put your name on.

Every report is branded with your agency details and carries the same clean typography, so clients see a consistent, professional deliverable — not an export from a generic tool. English and Spanish are both first-class.

  • Cover page with your logo, name, phone, email, website
  • 10-plan comparison table, sorted by fit to this client
  • Gap-by-gap exposure with recommended plan rationale
  • Three-scenario cost model · healthy, moderate, high-cost
  • Legal disclaimer, translator notice (ES), CMS guide reference
Eleanor Park Insurance
Licensed Medicare advisor · (646) 555-0119
REPORT · 2026-04-18
CONFIDENTIAL
Medicare Supplement
Plan Recommendation
Prepared for Margarita Hernández · Analysis run 2026-04-18
RECOMMENDED PLAN
Plan G
Comprehensive coverage with one modest gap (Part B deductible). Strong fit given this client's chronic-condition profile.
HEALTHY · $1,842
MODERATE · $2,613
HIGH-COST · $4,120
COVERAGE GAPS IDENTIFIED
Part A hospital coinsurance
Part B coinsurance (20%)
Skilled nursing days 21–100
Part B excess charges
Pricing

Seventy-nine dollars
a month.
That's it.

Unlimited clients, unlimited analyses, unlimited PDF reports. Cancel from the Stripe customer portal at the end of any period. No contracts, no seats, no onboarding fee.

$79/month
  • 14-day free trial · no card required
  • Unlimited clients and analyses
  • Branded PDF reports (EN + ES)
  • Watermarked PDF reports for client delivery
  • HIPAA BAA available
  • Cancel anytime
Start free trial

Security you can show to compliance.

Nonce-based CSP + MFA

WebAuthn & TOTP, with recovery codes and step-up challenges for sensitive actions.

HIPAA BAA gating

Every request passes a BAA gate and application-layer auth before any DB write.

Tamper-evident audit chain

Hash-chained audit log with 6-year retention, integrity-verified on a schedule.

Retention lifecycle

Client records roll off after 7 idle years; analyses after 18 months. You're notified beforehand.