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theClearing

Membership

Join The Clearing.

Medicare guidance, Fern, and a calmer member community — funded by membership, not plan commissions.

The Clearing is for people who want help understanding Medicare without being pushed toward a specific plan. We do not sell insurance, recommend plans, or earn commissions from enrollments. Your membership supports independent guidance, access to Fern, and a community built to help you think clearly before you act.

Pay monthly

Monthly

$29 / month

Regular membership: $59 / month

$49 setup fee waived during the founding-member period.

  • Try a month. Cancel anytime from your account page.
  • Includes everything in membership: Fern, the community, the rooms, and up to 3 users.
Choose Monthly
Best Value

Pay annually

Annual

$279 / year

Regular membership: $499 / year About $23 / month.

$49 setup fee waived during the founding-member period.

  • Renews once a year. We’ll remind you before the charge.
  • Lower effective monthly rate. Best for members who plan to stay a while.
Choose Annual

A member-funded alternative to commission-driven Medicare help.

Founding Member pricing is available for a limited time during early access. Once early access closes, standard The Clearing membership pricing will apply.

Have an invite or beta code? You’ll enter it at checkout.

Included with membership

Fern: Medicare education and guidance

Ask Medicare questions in clear language — from enrollment timing to plan changes, denials, moves, and caregiver situations. Education and guidance only.

Member community

A calmer place to ask, learn, and compare notes without broker pressure or social-media noise.

Medicare rooms & library

Clear, straightforward guides, updates, and replays you can return to when the rules or your situation change.

Up to 3 users

One paying account can include you, a spouse or partner, and someone helping with care or decisions.

Why members use The Clearing

Slow down before the decision, not after.

Medicare mistakes can be expensive, stressful, and hard to unwind. The Clearing helps you slow down before the decision point, understand what matters, and know what to verify before you act.

  • Avoid timing mistakes before they become penalties or coverage gaps.
  • Make sense of notices, plan changes, denials, and confusing enrollment rules.
  • Prepare better questions before calling Medicare, SHIP, an insurer, or a benefits office.
  • Get help for yourself, a spouse, a parent, or someone you help care for.

Education and guidance only. The Clearing isn’t a broker and doesn’t sell plans, prescribe care, or guarantee outcomes.

Common questions

A few questions, answered.

  • Is The Clearing a broker or insurance agency?

    No. The Clearing doesn't sell Medicare plans and doesn't take commissions from carriers. Membership is the only thing we charge for.

  • Does Fern give medical or financial advice?

    No. Fern is an educational guide that helps you understand how Medicare works for your situation in clear, straightforward language. It explains options and trade-offs — it does not sell, recommend, compare, or enroll you in specific plans, and it is not legal, medical, tax, financial, or plan-specific advice. The Clearing is not an insurance agency, brokerage, carrier, or plan.

  • Can I use my membership for a spouse or parent?

    Yes. One paying account covers up to three people — you, a spouse or partner, and someone helping with care or decisions. Each can have their own login and their own Fern conversations.

  • Where do I manage billing or cancel?

    From your account page, anytime. Update your card, switch between monthly and annual, or cancel without talking to anyone. Billing is handled by our membership platform, Outseta.

Already a member? Sign in.

Prefer to talk it through? Call 310-981-3695, Monday–Friday, 8:30–5 PT.