Medicare plan comparison tool for agents

Rivvi's free plan is you and two colleagues: the workspace, files, and memory, with a HIPAA BAA. No card. No clock. Calls, texts, the website widget, and a phone number are on Team, paid in conversation credits.

AEP tools for Medicare agents used to mean a dialer and a lead list. The work that actually changes a recommendation is narrower. Which 2027 plans cover these drugs in this ZIP. Which of those are $0 premium, 4 stars or higher, and under $5,000 out of pocket. Whether the pharmacy is in network, and what the public doctor registry says about the doctor. This workspace does those three checks from the CMS files Rivvi loads, then exports the full table.

You are the licensed agent. The workspace ranks plans and names a top fit for the medications and ZIP you gave, and it says why. Client facing drafts, an email, a text, or a script you will read aloud, include the TPMO disclaimer word for word. Rivvi does not contact the beneficiary. The Scope of Appointment stays in your own process. Nothing in the product captures it, stores it, or claims to.

Personal agents and agencies use the same broker tools. A personal account can start as a Medicare broker from the first screen. Uploads of client files, and web research on a prospect, stay on the agency account. The plan, formulary, pharmacy, and star lookups are public CMS data, and they are available on both.

The CY2027 landscape file was posted September 30, 2026. For Miami-Dade County it lists 101 Medicare Advantage plans that are not sanctioned, from 18 carriers. Eighty of them have a $0 monthly premium. Florida lists 11 standalone Part D plans, and those sit on the all counties row rather than on the county name. Every answer names the plan year, names the county the ZIP resolved to, and says showing N of M when the table is partial.

The $0 premium, 4 star, under $5,000 filter is a join, not a guess. The landscape file's overall star column is blank on every row, so a blank stays blank. Overall stars come from the CMS star tables released October 8, 2026, which are the 2027 ratings, and they are contract level. Joined that way, 50 Miami-Dade Advantage plans are $0 premium, in network max out of pocket under $5,000, and an overall star of 4 or higher. Three Advantage plans in the county have no 2027 overall star in that file.

Showing 6 of 50. Humana Gold Plus H1036-054 (H1036-054) is $0 with a $500 max out of pocket, and Humana's 2027 overall star is 4.5. CareOne Plus (H1019-006) is $0 with a $500 max out of pocket, and CarePlus's overall star is 4. Simply Complete Platinum (H5471-125) is $0 with a $500 max out of pocket, and Simply Healthcare's overall star is 4. Leon MediExtra (H4286-001) is $0 with a $1,000 max out of pocket, and Leon Health's overall star is 5. HealthSun HealthAdvantage Plan (H5431-001) is $0 with a $1,500 max out of pocket, and HealthSun's overall star is 4.5. HealthSun VitalCare (H5431-021) is $0 with a $1,900 max out of pocket, same 4.5 overall star. If a star is blank, the table leaves it blank.

Part D formulary lookup uses the CY2027 monthly formulary file CMS posted October 8, 2026. The 2026 file stays available for a year over year check. Each drug is normalized once, from the ingredient to the clinical products, and the table shows the matched product name and RxCUI, the tier, prior authorization, step therapy, and quantity limit. One call checks every plan in the county against the drug list. The ranking is drugs matched, then premium, then max out of pocket. A drug that does not match a formulary row is reported as the lookup didn't match. That is not the same sentence as not covered.

Medicare pharmacy network lookup uses the CY2027 pharmacy network files from the same CMS release. For a plan and a pharmacy it says whether the pharmacy is in network, whether retail cost sharing is preferred or standard when the file says so, and whether mail order is available. A pharmacy name is resolved to the CMS pharmacy number before that check. If the name does not resolve, that is a lookup miss, not proof the store is out of network. Doctor network is a different file. The workspace can verify the doctor in the public registry, including specialty, practice address, and active status, and it says plainly that it cannot see whether the doctor is in any plan's network.

The full county list is what goes in the spreadsheet, not a sample. Search can return every Medicare Advantage or Part D plan in the county, and the note says showing N of M and whether the list is complete. A personal broker or an agency can export that table and keep working in the sheet. The on screen answer still states the plan year and the county.

Medicare.gov Plan Finder is the beneficiary tool. It lists options for a person shopping on their own. This is Medicare broker software for the licensed agent sitting across from that person, or drafting the note they will send. It ranks for the agent. It does not enroll anyone. It does not offer every plan as a sales relationship, and a draft the agent will send says so.

The disclaimer on those drafts is verbatim. We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer. Please contact Medicare.gov, 1-800-MEDICARE, or your State Health Insurance Assistance Program for information on all of your options.

Agencies start from the brokers page. A solo agent can open a personal broker account and run the same comparisons in the first minute, including which plans cover these meds, the $0 and 4 star filter, and the doctor, drugs, and pharmacy check. Year round, the same workspace covers the Initial Enrollment Period around a 65th birthday, the Medicare Advantage Open Enrollment Period from January 1 through March 31, and the questions that come up before anyone calls a life change a Special Enrollment Period.