Start with you,
not the plan.
Join The Clearing when you want more than Medicare information.
The Program begins with your situation — your doctors, prescriptions, timing, budget, priorities, and concerns. It helps organize what matters, identify what is missing, and verify the details that could change the answer.
You still make the decision. Fern gives you a steady place to ask, think, and return, while the Program preserves the work so you do not have to start over later.
The Library helps you understand the terrain. Membership helps you work through the route that applies to you.
One membership includes the primary member plus up to two additional users.
Join by August 10 and keep the $169 annual rate while membership remains uninterrupted.
Public pricing begins August 20 at $299 annually or $39 monthly.
Includes the primary member plus up to two additional users. The Self-Audit is always free.
Cancel before the next billing date to prevent the next renewal charge.
Three parts help you complete the work.
Situation-based guidance for understanding, making, and managing Medicare decisions.
See the full mapA private, plan-neutral sounding board for asking questions, thinking through tradeoffs, and returning when something still does not make sense.
Meet FernMembers-only questions and honest Field Reports showing what happened after other Medicare decisions were made.
See the CommunityAlso included: Self-Audit · Requirements List · Blueprint · Decision tools & worksheets · Caregiver Track · Annual Review Explore The Program
You do not enter an empty account.
You begin with the decision in front of you. After joining, you start with the situation that brought you here — not a blank dashboard or a course you must complete in order.
Confirm who should participate in the decision.
Gather the facts that shape the decision.
Start your Requirements List and first working record.
Work the decision in front of you with Fern and the Handbook.
You do not need to complete everything. You need to complete the next useful piece of work.
The Clearing may fit the way you want to work.
The Clearing is designed to improve the work before, during, and after the decision. It does not replace Medicare, SHIP, licensed agents, plans, providers, attorneys, or financial professionals.
The terms in plain English.
The operating rules in one line each. The full answers live on the Program Questions page.
Review the part you are still unsure about.
Understand what you are joining before you enter payment information. Start with the question on your mind.
Not sure which page answers your question? Ask Hazel to point you to the right public resource.
Ready when you are.
Join when you want Medicare information organized around your situation, a steady place to ask and think, and a record you can return to when something changes.