Focused Medicare Help
Help for the one situation
in front of you.
Self-paced Medicare workspaces for a single decision — not a full membership.
Independent. Plan-neutral. No commissions. A track helps you organize your own situation and questions. It never steers you to a specific plan or carrier.
Find your place
Choose only the amount of help that fits.
Most Medicare help falls into two extremes: a 33-minute SHIP session or a 45-minute sales pitch. A Guided Track fills the gap.
Fast, but unstructured.
You research independently using government sites, articles, and tools. No cost, but no structure to make sure you've covered everything.
Structured, at your pace.
You work through one Medicare task with a structured process, practical outputs, and Fern guidance when you need it.
Personal, but pricier.
You receive one-to-one assistance for situations that call for deeper expertise or ongoing personal support.
A Guided Track won't make the decision for you. It helps you organize the facts, understand the trade-offs, identify what still needs verification, and know when it's time to involve Medicare, your employer, SHIP, or another trusted expert.
Launching first in August
The first Guided Tracks arrive August 7–8.
Our first two Guided Tracks open the first week of August. Preview what's included now, and we'll let you know the moment each one is ready.
Working at 65
For anyone approaching or past 65 who expects to keep coverage through their own job, a spouse's job, or an association plan.
- Whether the coverage qualifies
- What your employer must confirm
- Whether delaying Part B or Part D creates risk
- A documented coverage check
- The questions and records needed before delaying Medicare
Annual Medicare Review
For anyone already on Medicare who wants to know what changed before renewing — or deciding whether to reconsider.
- Doctors, hospitals, prescriptions, and pharmacies
- Costs and the benefits you actually used
- Notices and expected changes for the coming year
- A completed annual review
- A clear list of anything that still needs verification
Need both tracks?
Working at 65 + Annual Medicare Review, together.
The roadmap
Medicare changes — and so do the questions you'll face.
The first two Guided Tracks arrive in early August. Additional tracks will follow through the coming months as each one is completed and tested — tell us which matters to you and we'll let you know when it opens.
Planning a trip? Use the free Medicare Travel Check to see what your coverage may handle and what to verify before you travel.
Free tool — Check travel coverage →Why people don't wait
Why do this before something changes?
Most Medicare decisions get harder after a deadline, coverage change, or unexpected health event. A little preparation now can prevent rushed decisions later.
What one focused review may help you avoid
- Missed enrollment or switching windows
- Lifetime late-enrollment penalties
- Unnecessary premium or prescription costs
- Lost employer or retiree reimbursements
- Coverage gaps between plans
- Network or benefit changes discovered too late
- Paying for broader consulting when one process is enough
What it may help you uncover
- Questions you didn't know to ask
- Costs worth comparing
- State or federal protections worth verifying
- Documents worth keeping
- A clear reason to stay, change, or seek human help
No matter where you are.
Some people only need a single review. Some need ongoing guidance. Others simply want help organizing the questions. Choose only the amount of help that fits today.
Find the right place to begin.
Hazel can help you find the closest situation, tool, or Guided Track to start with. She points you to the door — she doesn't recommend a plan or answer the Medicare decision itself.
Track or membership?
Pick the amount of help that fits.
A track solves one situation. Membership is the broader place to keep organizing — and it includes the tracks.
Guided Track
Complete one defined piece of Medicare work, with permanent access to the track materials.
One 10-day Fern guidance window
See available tracksSix-Month Membership
Work through several related situations with the full Program, all Guided Tracks, and Community.
Fern throughout the six-month term
Compare membershipAnnual Membership
Keep Medicare organized across annual review, future changes, and caregiver involvement — all Guided Tracks and Community included.
Continuous Fern access all year
Compare membershipHowever you begin, you're not on your own.
A track, a tool, or a membership — each one is a calmer way through the same decision. Here's what people ask before they start.
Good to know