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.

1. 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
2. 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
3. Medigap Birthday Rule Exploits
   • In states like California and Oregon, switch Medigap plans annually during your birth month without underwriting; intra-c ...