Medicare Protection Assessment

Is Your Medicare Coverage
Leaving You Exposed?

Most Americans choose the wrong Medicare plan — or miss critical enrollment windows — and don't find out until they get the bill. Find your gaps in 4 minutes.

Find My Medicare Gaps — Free →

4 minutes  ·  No signup required  ·  Not a sales pitch

10,000+
Americans turn 65 every day
$6,674
Average annual Medicare out-of-pocket cost
10%
Lifetime Part B penalty per year of late enrollment
$0
Out-of-pocket maximum with Original Medicare alone
How This Assessment Works
Get Medicare right the first time — the enrollment penalties are permanent.

Answer questions about your age, current coverage, income, and prescriptions. Get a Medicare Readiness Score with the deadlines and coverage choices that matter most in your situation.

Know your enrollment windows
Initial, General, and Special Enrollment Periods each have different rules and penalties. We flag the dates that apply to you based on your work and coverage history.
Original + Medigap vs. Advantage
These are fundamentally different products with different tradeoffs (doctor access, out-of-pocket max, portability). We map which fits your health, travel habits, and budget.
Plan for IRMAA income surcharges
Part B and D premiums jump at income thresholds — based on tax returns from 2 years ago. We flag the planning moves that keep your premiums down.

Not insurance advice. Medicare rules change every year and vary by state and plan. Use this to prep for a conversation with a licensed Medicare broker.

What Happens When Medicare Goes Wrong

These aren't edge cases. They happen to families every day — and they're almost always preventable.

01
Critical
A late enrollment penalty follows you for life
Miss your Medicare enrollment window and you pay a 10% premium surcharge for every year you delayed — permanently. There are very few exceptions and no way to remove it.
02
High Risk
Wrong drug plan costs thousands in out-of-pocket drug costs
Part D plans vary wildly in what they cover. Picking a plan without checking your specific medications against the formulary can cost $5,000+ per year in full retail drug prices.
03
High Risk
IRMAA surcharges nobody warned you about
If your income exceeds certain thresholds, Medicare charges IRMAA surcharges that add $2,000–$6,000/year to your premiums. And it's based on income from 2 years ago — surprises are common.
04
Important
Original Medicare has no out-of-pocket maximum
Without a Medigap or Advantage plan, a serious illness or hospitalization could cost you unlimited amounts in 20% coinsurance. Most people don't know this until they receive the bill.

What Your Free Assessment Reveals

In 4 minutes, you'll get a personalized Medicare Protection Score and a prioritized checklist of your specific gaps.

✓
Whether you're enrolled in the right Medicare plan type for your situation
✓
If your prescription drug plan actually covers your medications
✓
Whether you're at risk for IRMAA income-related surcharges
✓
Your enrollment window status and late penalty exposure
✓
Whether your dental, vision, and hearing needs are covered
✓
A prioritized action checklist with state-specific guidance

Three Steps. Four Minutes.

No login. No credit card. No sales call.

1

Answer 8 Questions

About your current coverage, medications, and situation. No personal data required.

2

See Your Score

Get your Medicare Protection Score instantly, plus your top coverage gaps — free.

3

Follow Your Plan

Unlock step-by-step guides for each gap, personalized to your state.

What It's Worth

For $39/month, stop paying thousands extra for the wrong Medicare plan

Most Medicare beneficiaries are on the wrong plan and don't know it. The difference between plans can be $3,000–$8,000 per year — every year for the rest of your life.

Wrong Plan Selection
Medicare Advantage vs Medigap mismatch
$3,000–$8,000/year
overpaid in unnecessary premiums and out-of-pocket costs — the right plan depends on your doctors, health, and state
Late Enrollment Penalty
Missing Part B or Part D enrollment window
10–50% higher premiums
permanently added to your monthly bill — late enrollment penalties never go away and compound over decades
IRMAA Surcharges
High income triggering Medicare surcharges
$816–$4,896/year
in extra Medicare premiums — with proper income and Roth planning, many of these surcharges are avoidable
No Annual Review
Plans change coverage every year — you don't
$1,000–$3,000/year
in extra costs when drug formularies or network coverage quietly changes — open enrollment exists for a reason
Medicare overpayment over 20 years
$60,000–$160,000
vs
Sema Legacy annual cost
$349/year

A 5-minute assessment identifies your specific Medicare gaps. Most people find at least one costly mistake they didn't know they were making.

Document Vault
Store, organize, and AI-analyze your important documents

Upload your will, trust, insurance policies, and healthcare directives. Sema Legacy keeps them organized by topic — and AI reads them to flag what's outdated or missing.

Secure upload — PDF, images, Word
AI document analysis
Smart document checklist
Organized by topic
Never shared with third parties  ·  Included with your plan
Free Assessment

Find Out Where You Stand — Right Now

Most people are surprised by what they find. It takes 4 minutes and costs nothing.

Start My Free Medicare Assessment →

4 minutes  ·  No signup  ·  Not a sales pitch

Educational Use Only. Sema Legacy provides educational information, not professional Medicare, legal, or financial advice. Always consult a licensed Medicare counselor for decisions specific to your situation.