Choosing or changing your Medicare coverage isn’t something to rush. Each year, your health needs, prescriptions, and budget can shift—and plans change too. Use this simple checklist so you can feel confident in your decision. 1) Confirm your doctors and hospitals are...
1) Waiting too long to enroll If you miss your Initial Enrollment Period (the 7-month window around your 65th birthday) and don’t have qualifying employer coverage, you may face lifelong Part B and Part D penalties.Fix: Mark your IEP dates, or talk with an advisor 2–3...
Snowbird Medicare: A Two-State Plan That Actually Works If you split the year between two homes, you already know about duplicate utility bills and the art of packing one jacket that somehow works in two climates. But there’s one thing snowbirds often overlook: how to...
Medicare doesn’t have to be confusing. Use this simple month-by-month checklist to enroll on time, avoid penalties, and choose coverage that fits your doctors, prescriptions, travel, and budget. 6–9 Months Before Your 65th Birthday: Get Your Bearings Learn the basics:...
If you’re approaching 65, already on Medicare, or helping a parent navigate coverage, you’ve probably noticed two things: The rules change often, and 2) small choices can have big cost consequences. The good news? With a little structure—and the right partner—you can...
Meta: A simple walkthrough of Medicare Parts A, B, C & D—what each covers, who’s eligible, and how they work together.Takeaways: Four parts, different roles Enrollment timing matters Coverage & costs vary by plan and area Post:Medicare is the federal health...
