Medicare is the federal health insurance program for Americans 65+. It has four parts: A (hospital), B (doctors/outpatient), C (Medicare Advantage private plans), and D (prescription drugs).
Medicare is the federal health insurance program for Americans 65+. It has four parts: A (hospital), B (doctors/outpatient), C (Medicare Advantage private plans), and D (prescription drugs).
Medicare covers about 80% of most medical costs in retirement — but the remaining 20% can be unlimited without supplemental coverage. Understanding the parts, enrollment windows, and IRMAA surcharges is one of the highest-value decisions a pre-retiree can get right.
If you enroll in Medicare Advantage during your initial window, you have a 12-month trial to switch back to Original Medicare + Medigap with no underwriting. After that window, Medigap insurers can reject you for pre-existing conditions in most states.
Start with the free Retirement Readiness Score to see where you stand, then talk to a fiduciary if you want a second set of eyes. No pitch, no pressure.
Take the free assessment