Welcome to Real Easy Medicare’s first Fast Friday Q&A with Al Kushner! In this episode, Al tackles 20 real listener questions with quick, actionable advice—no long stories, just straightforward answers to the Medicare issues keeping you up at night.

Enrollment & Timing

• Delaying Part B with employer coverage (20+ employees): obtain creditable coverage proof
• Penalties for missing IEP: 10% per year. Enroll between Jan 1 and Mar 31 for July 1 coverage.
• Spousal death: report to SSA, explore SEP for Advantage or employer coverage changes

Prescription Drug Coverage

• Tier-change appeals: use the doctor’s formulary exception requests
• Donut hole discounts: 75% off brand and generic during gap
• GoodRx vs. Medicare: illegal to use coupons, but you  ...