Wisdom Wednesday: Insider Medicare Secrets from 40 Years of Experience

Welcome to Real Easy Medicare’s Wisdom Wednesday with Al Kushner! In this expert-level episode, Al reveals advanced strategies and hidden rules that only decades of Medicare experience can teach.

1. Medigap Guaranteed Rights
   • 63-day guaranteed Medigap enrollment after losing creditable coverage, even years later
   • “Trial right” to test Medicare Advantage for 12 months with risk-free return to Original Medicare
2. State-Specific Protections
   • California’s Birthday Rule: annual Medigap plan changes without underwriting during your birth month
3. Advanced Part D Tactics
   • Delay Part D penalty-free with creditable drug coverage from employers, unions, VA, or state programs
   • Leverage the new actual out-of-pocket cap ($2,000) and adjust ...