Welcome back to Wisdom Wednesday on Real Easy Medicare with Al Kushner! In this episode, Al unveils advanced insights from four decades of Medicare experience, empowering you to make strategic, cost-saving decisions.

1. Prepare for Catastrophic Costs
   • Medicare’s 80/20 split leaves unlimited 20% liability—plan for out-of-pocket caps or supplemental coverage to avoid financial devastation
2. Network Paradox
   • Larger provider networks don’t guarantee better specialist access—evaluate local depth of specialists, not statewide breadth
3. Formulary Forecasting
   • Anticipate future medication needs (e.g., insulin pumps, new cardiac drugs) when selecting Part D plans to avoid mid-year disruptions
4. Optimal Medigap Timing ...