Welcome to Real Easy Medicare’s Fast Friday Q&A with Al Kushner! In this episode, Al delivers rapid-fire solutions to common Medicare dilemmas—no fluff, just straightforward guidance based on 40 years of expertise.

Enrollment

• Missed Part B IEP? Enroll during General Enrollment (Jan 1–Mar 31), coverage begins July 1; 10% penalty per year delayed
• Switch MA to Original Medicare during Jan 1–Mar 31 MA OEP or Oct 15–Dec 7 OEP
• Delay Part B with active employer coverage (20+ employees); retiree plans don’t count

Cost & Coverage

• Zero-premium MA plans may hike deductibles/copays—always review total plan changes
• Part D removal: 60-day SEP to change plans
• Medigap pricing varies by state, age, and plan—shop multiple insurers

B ...