What you are buying
Not a plan. Not an application. Research. You (or a helper) run Medicare.gov the way we specify — logged out, anonymous — and upload the PDFs. We analyze MAPD vs the Freedom Stack (Medigap + standalone Part D), verify hospital and network fit where you name them, rank plans on your drug costs (not misleading “total annual cost” sorts), and explain the tradeoffs in plain English.
Authors of The Traps Within Medicare. Built for people who can afford real advice and refuse to be rushed.
Who this is for
Good fit
- Turning 65 or re-shopping with complex drugs or doctors
- Choosing between Medicare Advantage and Medigap + Part D
- Couples who may split paths (one MAPD, one Freedom Stack)
- Anyone who wants Medicare.gov as source of truth, plus expert interpretation
Not this product
- Dual-eligible / full Medicaid / LIS — please re-read Chapters 9 & 10 of The Traps Within Medicare (this SKU is not built for dual/LIS paths)
- “Just enroll me” — we do not submit applications
- Replacing a local agent relationship you already trust
How it works
- Purchase a prepaid research certificate (secure checkout below). Gift Up delivers your research code and private link — save them; we never ask your name.
- Short intake at your code link: ZIP, county, income band, hospital, doctors (name + street address + phone), Part A/B dates, and any special goals or considerations you have.
- Medicare.gov session (~60–90 min): create a new folder on your Desktop named
Medicare. Follow our step-by-step Run Card — never log in; always run the session as a guest (login can put your name on prints). When instructed, print pages “as PDF” and save them into yourMedicarefolder. - One-step upload of your Desktop
Medicarefolder (all PDFs; do not rename files). - 48 business hours later (typical): check your private inbox. Your full PDF report will be there, waiting for you.
Do not start Medicare.gov before October 15 if you want January 1 enrollment
If you are shopping for a January 1, 2027 plan change (Annual Enrollment), do not initiate a Medicare.gov Plan Compare session before October 15 — next year’s plans are not ready for side-by-side shopping until October 15 – December 7 enrollment opens.
If you are aging in to Medicare with Part A and/or Part B effective dates before then and need brief 2026 coverage, understand that a plan change effective January 1, 2027 may be advisable — and is not knowable until you can shop on or after October 15. Your Run Card will branch IEP vs AEP; follow it exactly.
Anonymity is the product
Your highly confidential data, carefully and deeply analyzed, and always fully anonymized — that is the product.
We never require
- Your name on intake
- Medicare number or SSN
- Date of birth in our database
- Medicare.gov account (login puts your name on prints)
Payment side (Gift Up)
- Checkout will ask for an email (Gift Up receipt)
- That information stays strictly with Gift Up — we do not receive or store it in our research systems
- Your report lives only at research code + mailbox
Please take note: do not order unless…
You have at least a laptop computer with which to access Medicare.gov. You will also need either (a) the ability to print our customized Run Card instructions, or (b) a second medium-sized screen to read them from during your Medicare.gov session. Medicare.gov is far too complicated to attempt from a phone — many have tried, to their great and lasting frustration. For our purposes here, it is, unfortunately, completely impossible.
Sample: what a couple receives
Built to the same outline as the book’s companion model. Below is the table of contents pattern; length varies with county complexity and household paths (complex cases often run longer than the minimum we quote). Your report uses your ZIP, drugs, and Medicare.gov PDFs — not a generic brochure.
Illustrative Split-path couple — Partner A (respiratory drugs) + Partner B (cardiac/HTN). Names below are labels only; your PDF shows no legal name.
| Section | Pages (typ.) | What you get |
|---|---|---|
| Cover + research code | 1 | County, export dates, educational disclaimer |
| Executive summary | 2–3 | Lead recommendation per partner; biggest gotcha; 3 next steps |
| Your situation (intake) | 2 | ZIP, income band, hospital, doctors, creditable drug wrap |
| County medical backdrop | 4–6 | Hospitals near you, MA market density, rural/urban framing |
| Drug-informed specialist lens | 3–5 | What your meds imply for specialist access; doctor network flags |
| Part II — Partner A | ||
| MAPD shortlist + drug math | 4–6 | Plans covering all drugs; MOOP; retail vs mail order |
| Freedom Stack (Plan G/N + PDP) | 4–6 | Live Medigap quotes + PDP; premium line vs MAPD |
| Hospital / network verification | 2–3 | Named facility in-network? Conflict call if not |
| Part III — Partner B | ||
| Separate path if needed | 6–10 | Example: MAPD with Part B giveback vs Plan G when health differs |
| Side-by-side household economics | 2 | Combined monthly premiums; worst-case year scenario |
| Enrollment calendar + traps | 3–4 | IEP, AEP, Medigap GI, Part D penalty warnings |
| Disclosures | 2 | Educational disclaimer; not enrollment |
See depth before you buy: redacted sample PDF from a complex county (San Francisco split-path couple, 34 pages — above our usual minimum; maps, hospital context, live Medigap quotes).
Download redacted sample (PDF)What’s included
- MAPD: Compare + Plan Detail PDFs analyzed (typically 2 batches × 3 plans)
- Standalone Part D: same pattern on your drug list
- Medigap Plan G + Plan N quote context from Medicare.gov tool
- MAPD vs Freedom Stack narrative with your premium and drug numbers
- Hospital verification when you name a facility
- One included QC do-over if uploads need a fix
- 30-day money-back guarantee after delivery — full refund, no questions asked
Pricing
Individual
$495
One person — full Complete Research
Couple (same household)
$749
Two paths, one deliverable — Partner A / B sections
Prepaid certificate (does not expire) • Delivered to your private research-code mailbox • 30-day money-back guarantee starts when we deliver your report
Checkout (how payment works)
Step 1 — Choose your certificate:
Step 2 — Secure payment via Gift Up (card processing by Stripe). Checkout will ask for an email for your receipt — that stays with Gift Up; we never receive it in our research systems.
Step 3 — Gift Up delivers your certificate instantly: research code and private link (nxtmt.info/r/YOURCODE). Save both before you close the window.
Step 4 — Open your link and complete intake. No NMA account to create — not until you upload.
FAQ
- Is this insurance?
- No. Educational research only. We do not enroll you in any plan.
- Why can’t you just look me up?
- We don’t clone Medicare.gov. Your exports are the source of truth for drug tiers and costs in your county this plan year.
- Why no Medicare.gov login?
- Logged-in sessions can print your name on Plan Reports. Always use Continue without logging in / guest mode. We stay anonymous end-to-end.
- What if I mess up the upload?
- One included do-over cycle. We tell you exactly what’s missing.
- Refund policy?
- Contact us within 30 calendar days after we deliver your report for a full refund under our money-back guarantee. Refunds are processed through Gift Up (we locate your order there only for payment reversal — not linked to your research).
- North Carolina only?
- Nationwide research. We are insurance-licensed in North Carolina; the report is a research product and is not state-limited.
From the authors
Medicare is a maze on purpose. The Traps Within Medicare exists because we were tired of watching smart seniors get frozen into the wrong universe — or the right universe with the wrong formulary. The Complete Research Report is what we wished existed when we hit 65: someone who does the math, names the trap, and doesn’t need your identity to do it.
— Rick Mortimer & Nan Jaquins, RN, Next Mountain Advisors
Next Mountain Advisors offers educational research nationwide and insurance marketing in North Carolina. This page does not constitute personalized tax or legal advice. Medicare.gov is the official U.S. government site. Gift Up/Stripe handle payment; purchaser email at checkout stays with Gift Up and is not stored with research content. CMS has neither reviewed nor endorsed this service. For privacy practices see privacy policy. Questions: contact us or (828) 782-3777.