I’ve been helping people “NEW to Medicare” for a long time.
Just about everyone I speak to needs help with the following:

WHEN they need to enroll (with the Gov.) to avoid a lifetime penalty with Part B and Part D.

HOW they may be able to “delay” Medicare enrollment – not pay the Part B monthly premium (and avoid a lifetime penalty).

WHERE they go to “Sign-up” for Original Medicare (Part A and Part B) with the Gov.

HOW they protect themselves from the large financial “gaps” in Part A and Part B (Ex. $1,736 “reoccurring” deductible required just to check into the hospital as an overnight patient).

HOW you get your Prescription Drug coverage if it’s “required by Medicare” but NOT included in Part A or Part B.

WHAT the difference is between Medigap and a Medicare Advantage plan – which one is better?

There are TWO PARTS to joining Medicare:

1.) Enroll in Original Medicare Part A and Part B with the Government (Social Security Administration)

2.) Work with a professional Medicare advisor to get “Supplemental” coverage (Medigap and Part D OR a Medicare Advantage Plan)

WHAT are IRMAA charges (for Part B and Part D)?

I explain the answers to these questions and more in simple easy-to-understand terms.