
Wisdom Wednesday: Insider Medicare Tactics You Won’t Learn Anywhere Else
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À propos de cet audio
Welcome to Wisdom Wednesday on Real Easy Medicare with Al Kushner! Drawing on four decades of experience, Al reveals elite-level strategies to optimize your Medicare coverage and reduce costs.
- Hidden 90-Day Benefit Period
- A single benefit period spans multiple hospital or SNF stays within 60 days, avoiding repeated $1,632 Part A deductibles; track your 60 lifetime reserve days carefully
- Medicare Secondary Payer Techniques
- Strategically choose when employer or indemnity insurance pays first to minimize out-of-pocket; stack accident, critical illness, or hospital indemnity policies
- Medigap Birthday Rule Exploits
- In states like California and Oregon, switch Medigap plans annually during your birth month without underwriting; intra-company switches may apply elsewhere
- Network Quality over Quantity
- Evaluate local specialist depth rather than total network size; identify responsive providers by calling offices about appointment availability
- True Out-of-Pocket Cap Insight
- The $2,000 Part D true out-of-pocket cap replaces the donut hole; timing high-cost drug purchases no longer accelerates a gap
- Appeal Success Path
- Appeals win rates climb from 20% at level 1 to 60% at ALJ level; persistence and thorough documentation are critical
- Social Security–Medicare Synergy
- Coordinate premium deductions, assistance programs (QMB, SLMB, QI), and optimal enrollment timing for tax and cost advantages
- HSA Continuation Strategy
- Delay Part A enrollment under HSA-qualified employer coverage to maintain tax-free HSA contributions post-65; requires pre-65 planning
- Geographic Cost Planning
- Compare Medicare Advantage and Medigap rates across ZIP codes before relocating; retirement location can double or halve premiums
- Critical Enrollment Timing
- Medigap’s six-month guaranteed issue window versus MA’s annual OEP and SEPs; missing these windows locks in coverage
Next Episode Preview: Tips & Tricks Thursday—actionable hacks and shortcuts you can implement immediately to streamline your Medicare journey.
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