The Medicare Decision Framework

What You'll Get

The Medicare Decision Brief

A 15-page structured framework — not a generic overview of Medicare, and not a plan comparison tool. This is a thinking framework designed to help you analyze your specific situation across the dimensions that actually matter.

I built this because when I tried to help my own mother with Medicare, I couldn't find a single clear, unbiased resource — despite my 31 years of medical experience. This is what I wish had existed.

What the Brief Covers

• 📋
  The Two Paths in Plain Language
  Original Medicare + Medigap vs. Medicare Advantage — how they're actually structured, not just the marketing version.
• ⚖️
  The Real Tradeoffs
  Financial exposure, access restrictions, geographic portability, administrative burden — and how each path handles them differently.
• 🧭
  The Five-Dimension Model
  A structured framework for evaluating your priorities across the five dimensions that drive the decision.
• 📅
  Enrollment Windows & Timing
  The dates that matter, the penalties you can't undo, and the critical windows most people don't know about until it's too late.
• 🔄
  Long-Term Optionality
  What switching between structures actually looks like — and why the underwriting reality matters more than most people realize.