GRACE · Start Here

A calmer place to start.

You're here because Medicare felt more complicated than it should. GRACE is built for exactly that. Here's how to use it — and what to expect.

How GRACE works

Three things to know before you start.

01
Describe your situation

Don't ask a general question — describe what's actually happening. "I'm 64 and still on my employer's plan. My spouse is turning 65 this spring." That context is what makes GRACE useful.

02
GRACE follows the thread

GRACE will surface things you may not have thought to ask. It notices gaps in the picture and asks follow-up questions — not to be difficult, but because your situation usually has more moving parts than the first question reveals.

03
Use it before the pressure starts

GRACE is most valuable in the thinking phase — before a deadline, before a sales call, before you have to decide. If you're already in the middle of an enrollment window, that's fine too. But the earlier, the better.

Getting the most out of it

What helps GRACE help you.

Helpful to share
Your age and when you turn 65
Whether you're currently on employer coverage, a spouse's plan, or already on Medicare
What you're trying to figure out or decide
Any deadlines or enrollment windows you're aware of
Whether you're asking for yourself, a spouse, or a parent
You don't need to know
How to phrase the question perfectly
Medicare terminology or acronyms — GRACE will explain them
Which path is right before you start — that's what GRACE is for
Everything about your situation upfront — ask as you go
What GRACE is — and isn't

Clarity about what to expect.

GRACE can help with
✓Understanding what your Medicare options actually mean
✓Figuring out what questions to ask next
✓Making sense of a rule change and whether it affects you
✓Sorting through what actually applies to your situation
✓Explaining tradeoffs 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
To get you started

Questions people bring GRACE on day one.

"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?"

Ready when you are.

There's no right way to start. Describe your situation in plain English and GRACE takes it from there.

Open GRACE