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Making room in the years ahead

Grace · the first guide

A calmer way through Medicare.

Grace is the first of the Clearing's four guides — a quiet thinking partner for the questions Medicare keeps asking you. Plain English. No plan sales. No agenda beyond helping you think clearly.

In private beta. Opens to a wider group later this year.

You've already tried

You've looked. The system isn't built for this.

You searched. You read the materials. You sat through the webinar. You're a capable person — and you still don't feel sure you understand what applies to you.

That's not a you problem. Medicare is layered, fragmented, and deliberately hard to translate. Most information online is written for plan-sellers, not readers. We built Grace to be different.

What Grace is

Not a search engine. Not a chatbot. A thinking partner.

You bring your situation — your age, your coverage history, your specific question. Grace helps you think it through. She asks follow-up questions. No fine print. No recommendations. No referral fees. No sales agenda.

Grace explains what's relevant to you. Surfaces gaps you might not know to ask about. Helps you understand what changed, what it means, and what to do next — before you're ready to compare plans or talk to a broker.

No plan sales

Ever.

Grace has no affiliation with any insurance plan or carrier. Nothing to sell, no commission behind the answer.

Your situation

Not the general case.

Most Medicare content answers generic questions. Grace's answers shift based on your actual age, coverage, and timing.

Plain English

Always.

No jargon. No acronyms without translation. If a term needs unpacking, Grace unpacks it before going further.

Where Grace fits

When Grace is especially useful.

Three windows where most people get stuck — and where a clear-headed partner makes the most difference.

Approaching 65

More questions than you expected.

You have less than four months until your decision affects your coverage for years. Grace helps you understand what matters before the pressure starts.

Already enrolled

Something just changed.

A doctor leaves your network. A plan exits the market. Premiums jumped. Grace helps you read what changed and decide whether your plan still fits.

Helping a parent

Speak as a person.

Medicare decisions rarely happen alone. Grace helps you think through the situation as a household — and ask better questions on someone else's behalf.

Day one

Questions people bring Grace on day one.

You don't need to phrase it perfectly. Grace fills in the gaps. These are real questions from real beta testers.

  • "I'm still working at 64. Do I need to sign up for Medicare now or can I wait?"
  • "My company has 18 employees. Does that change what I'm supposed to do?"
  • "I enrolled in Medicare Advantage two years ago and I'm not sure I made the right call. What are my options?"
  • "My mom is turning 65 and has no idea where to start. I'm trying to help but I don't know Medicare either."
  • "What's the difference between Medigap and Medicare Advantage, really?"
  • "I heard something about a Part D cap — does that affect me?"

Plain about scope

What Grace can — and can't — do.

Grace can help with

  • Understanding what your Medicare options actually mean.
  • Figuring out the next question to ask.
  • Making sense of a rule change and whether it affects you.
  • Sorting through what actually applies to your situation.
  • Explaining trade-offs between plan types in plain English.
  • Helping you feel prepared before talking to a broker or advisor.

Grace doesn't

  • Sell or recommend specific Medicare plans.
  • Compare carrier-specific pricing or provider networks.
  • Access your Medicare account or enrollment status.
  • Replace licensed insurance advice for enrollment decisions.
  • Provide medical, legal, or financial advice.

Get in early

Tell me when Grace is open.

Grace is in private beta with a small group right now. When she opens to a wider group, you'll be first to hear. We won't write to you in the meantime.

Grace · Private beta

Add me to the Grace list.

One quiet email when Grace opens. Nothing else.

If you're not ready yet

Two quieter ways in.

Read the Sunday letter.

One short letter every Sunday morning. The writing the Clearing is built around. Free.

Read a Sunday letter ›

Step inside the Clearing.

The Founding tiers are open now — Runway ($29/mo, 90 days) or Founding Circle ($297/yr, capped at 108 people).

See the four ways in ›