True Story Tuesday: Real-Life Medicare Lessons from Six Beneficiaries

Welcome to True Story Tuesday on Real Easy Medicare with Al Kushner! In this episode, Al shares six authentic beneficiary stories that highlight critical Medicare insights and how informed actions make all the difference.

1. Retiree Insurance Trap
   • Martha delayed Part B, relying on retiree coverage, faced a 30% lifetime penalty and gaps because retiree plans aren’t creditable
2. Zero-Premium Surprise
   • Robert’s MA plan had no premium but high copays, network limits, and delays for surgery—total costs far exceeded Medigap alternatives
3. Part D Penalty Problem
   • Susan skipped Part D when healthy, and later incurred a $12/month penalty for life upon needing diabetes meds.
4. Medigap Timing Mistake
   • David wai ...