S2 EP9 - Medicare Without Guesswork with Colin Miller

We break down Medicare decisions that can stick for years, especially the choices you make when you first become eligible at 65. We also explain how Medicare fits into long-term retirement planning so you can reduce penalties, avoid surprise costs, and pick coverage that matches your life.

• Why copying a friend’s Medicare choice can backfire
• The first enrollment period and why it matters long term
• When you can delay Medicare while still working
• Why employer size and HSA contributions change the rules
• How Medicare Part B premiums and IRMAA raise costs for high earners
• Original Medicare plus Medigap and Part D versus Medicare Advantage
• How networks and out-of-pocket exposure differ by path
• Why switching from Medicare Advantage back to Medigap can be hard
• How to re-shop Part D prescription coverage each year

Colin Miller
Medicareplanpartners.com
colin@medicareplanpartners.com

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