Falcon Sky · Medicare plan finder

Food card for dual clients · Give-back for non-dual. 2026 plan year — verify in Sunfire before quoting.

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Client's Medicaid level — full (FBDE·QMB+·SLMB+) vs partial (QMB·SLMB·QI):

💳 Medicaid-safe indemnity play — SLMB / QI

Partial duals pay their own cost-sharing, so Hospital Indemnity + Accident are a legit pitch — but a cash claim payout can count as income/assets and put their Medicaid at risk. Keep it safe:

Size it to the copays. Keep the benefit small and copay-shaped so a payout reimburses their actual cost-sharing rather than exceeding it.
Two tests, not one. Income in the month paid (only sheltered if it functions as reimbursement of the real copay) + resources after. MSP resource limit runs ~$9–10k (some states have no asset test) vs ~$2k on full Medicaid — so e.g. $350/day × 6 days = $2,100 on top of light savings stays well under.
Coach the client. Apply any payout to the medical bill in the month received; they may need to report the change to their caseworker.

Full duals (FBDE / QMB+) → skip indemnity: Medicaid covers the cost-sharing, so there's nothing to insure. Verify current limits — figures are indexed and vary by state.

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👋 Enter a ZIP code above, then hit Find to see ranked plans for that state.

Reference tool — not affiliated with CMS or any carrier. Verify every plan in Sunfire before quoting or enrolling.

🍎 food/OTC · 🦷 dental · 👓 vision · 👂 hearing · 🚐 transport · ⭐ star

comp · 0% coins = comprehensive dental, nothing owed · comp · 50% coins = you pay that % of major work · prev only = preventive dental only (no crowns/dentures/implants)

WAV = wheelchair-accessible vehicle · N trips = one-way rides/yr

D-SNP dual · C-SNP chronic · MOOP max out-of-pocket · give-back = Part B premium reduction

SB-verified = the exact Medicaid levels (FBDE · QMB+ · SLMB+ · QMB · SLMB · QI) this plan accepts, read from its Summary of Benefits

Card tint: blue = a carrier you hold · tan = NOT YOURS (not appointed) · ◎ closest = nearest match to the $ you entered

⬆ Find stronger plan: ▲ green = stronger than the current plan · ▼ red = weaker · TOP SWITCH = biggest upgrade. Wording scales with size: "barely a difference" (minor) → "trades away" (major). The $ /mo on the left is the plan's food card.

💬 Add-on plays fit: Lead pick · Good fit · Caution (a cash product that may threaten a dual client's Medicaid limits)

ⓘ Legend