Retired couple standing together, ready to go through Medicare
Medicare, without the rush

Medicare Decisions, Made Unhurried

Enrollment windows, plan letters and drug lists make more sense when you go through them one at a time, with help close by.

Begin Your Review
Retired couple standing side by side, thinking about their Medicare choices
Where you are right now

First Time Around, or Already Enrolled?

Medicare looks different depending on when you arrive at it. Pick the line that sounds most like you, and that is where I start.

  • Turning 65 soon and unsure where to begin
  • Still working, with health coverage through a job
  • Enrolled already, but the yearly plan letter raised questions
  • Helping a parent or spouse make sense of their coverage
About PorchMedic
A typical sit-down

What Happens After You Send Your Details

There is no script. You describe the doctors you see, the medicines you take and what you spend in a normal year. That list becomes the measuring stick, and nothing gets suggested before I have held every plan up against it.

  • Your doctors and pharmacy get checked against each plan's network first
  • Every medicine on your list gets priced, tier by tier
  • You get a short written summary you can keep and go back to
Send Your Details
Couple on a sofa going through a Medicare review together on a tablet
Six services, one person

What I Can Sort Out With You

Plan comparison

Two or three plans put side by side next to the doctors you see, your medicines and what you spend, gaps in view.

Drug list pricing

Every one of the medicines on your list priced tier by tier, so you know what a plan would charge at the counter.

Network checks

Each doctor you see and the pharmacy you use, confirmed in or out of a plan's network before any plan gets a yes.

Enrollment timing

A clear map of which sign-up window applies to you, whether you are at 65, still at work or leaving a group plan.

Yearly notice review

The notice your plan mails each year gone over line by line, so a change in cost or coverage does not get missed.

Medigap letters

Plan G, Plan N and the rest laid out one letter at a time, with the copays and premiums that make them different.

Heard on the porch

What People Say Once the Paperwork Is Done

I walked in certain I needed the plan with the biggest ad on television. I left with one that covered my own dentist and fit my monthly budget much better.

RK
Rosemary K.
Asked about her dentist

My medicine list had eleven items on it and I expected to be told to just pick something. Every item was priced plan by plan and the answer became obvious.

EJ
Earl J.
Asked about drug prices

Plan G, Plan N and a stack of letters I could not distinguish. After thirty minutes of questions I knew which matched my needs and why the other would not.

NL
Nancy L.
Asked about the letters

I was still working and had no idea whether signing up late would cost me a penalty. The answer covered my exact situation, came in writing, and I kept it.

GL
Gene L.
Asked about work timing
Retired couple looking over their Medicare paperwork together at home
Before you write in

Questions That Usually Come First

Not necessarily. With health coverage through a job, you can usually wait without a penalty. Without it, the window around your birthday matters. Tell me which side you are on and I will map out the timing for you.

Often, but it depends on the plan family. A Medigap policy works with any doctor who accepts Medicare. Advantage plans tend to use a network, so I check each doctor you see against it before anything else comes up.

Both are Medigap letters with the same core benefits. Plan N asks you to pay small copays for some office and emergency visits in exchange for a lower monthly premium. Which one fits depends on how often you visit.

If you keep Original Medicare, your drug coverage comes as a separate Part D plan. Most Advantage plans build it in. Either way, I price every medicine on your list against the plan before you sign anything at all.

Your message reaches me and no one else. I go through your doctors, your medicines and your monthly budget, then reply in writing with the two or three plans that fit your situation and the reasons behind each one.