How It Works and Pricing

How it works

Tell us about your household. Birthdays, health coverage, when work ends, rough income. Type it in, or describe it in your own words and we'll fill in the form.
Get your plan. A month-by-month timeline for you and your spouse, with the reasons behind every date and links to the official rules.
Stay on track. Forms filled in and ready to sign, and a reminder email each month something is due.

What's in your plan

When to sign upThe months to sign up for Medicare, when your coverage starts, and whether your job's health plan lets you wait without a penalty.
When to start Social SecurityThe best age for you and your spouse to start, so you get the most over your lifetimes, including what the surviving spouse keeps.
Which kind of Medicare to chooseOriginal Medicare with a Medigap plan, or Medicare Advantage: which fits how you live, and whether you could change your mind later.
Forms filled in for youThe Medicare sign-up form, the form your employer fills out, and the form to lower your premium, with your answers ready to copy. You add your ID numbers by hand; we never ask for them.
Paying extra because of incomeWhether your income raises your Medicare price, how close you are to the next level, and when you can ask to lower it.
Letter readerTake a photo of a letter from Social Security or Medicare and get it explained, with the deadline to respond.

Pricing

One payment per household, covering both spouses. Includes updates and reminders for 24 months.

Free check

$0

When to sign up, when coverage starts, and mistakes to avoid, plus our income and late-penalty calculators.

Check my dates

Household Plan

$199

Your full plan: sign-up dates, when to start Social Security, which kind of Medicare to choose, forms filled in, and a reminder each month something is due.

Plan + Income Surcharge

$349

Everything in the Household Plan, plus help if your income raises your Medicare price: a plan for every year, the form to lower it each year, and our letter reader.

Questions

Are you part of Medicare or Social Security?

No. Settled Years is an independent company. We explain the official rules and apply them to your details, and we link to the source for every rule we use.

Do you sell insurance or earn commissions?

No. We don't sell or recommend specific insurance plans, and no insurance company pays us. That's why we can tell you plainly when a $0-premium plan isn't the better deal.

Do I need to give you my Social Security or Medicare number?

No. We never ask for them or store them. Forms come with those spaces blank for you to fill in by hand.

What if the rules or amounts change?

Medicare and Social Security amounts change every fall. We update the rules each year, and your plan recalculates when we do.

Can my son or daughter help me with it?

Yes. An adult child can set up the plan for a parent, and the plan, forms and reminders are written so anyone in the family can follow them.