Medicare isn’t one-size-fits-all, and choosing your plan can be complicated.
As Medicare Open Enrollment approaches on October 15th, now is a good time to understand your options and make sure your coverage still fits your needs.
In our latest webinar, Karl Steinlage, Co-Owner, CEO and Independent Broker at Steinlage Insurance Agency, broke down the complexities of Medicare into an easy-to-understand process.
▶️ If you missed it, you can watch the full webinar replay below.
Chapters:
00:00 Intro
03:08 What is Medicare?
06:29 Turning 65? What are your options? How does it affect my HSA funding?
08:33 Who would most likely go through Door #1: Do Nothing?
10:31 Door #2: Enroll in Medicare Part A Only
12:19 Door #3: Enroll in Medicare Part A and B
13:56 How to sign up – Aging into Medicare
15:20 How to sign up – Unique Situations
15:59 IRMAA (Income Related Monthly Adjusted Amounts)
19:44 Appealing IRMAA – SSA-44 Form
21:25 The Different Moving Parts of Medicare
26:46 Standardized Medicare Supplement Plans
30:23 Medicare + Supplement + Part D
33:27 Inflation Reduction Act & The Donut Hole
35:36 Part C Medicare Advantage
38:10 Moving Plans During the Annual Enrollment Period (AEP)
41:08 How to rate shop for your drug plan (Part D)
48:36 Part D and Medicare Advantage Disruption into 2026 and 2027
49:32 Big Takeaways
Q&A
50:25 What are the Medicare headlines and trends outside of rising costs, fewer planned choices, and greater uncertainty about access to care?
52:37 How and when do you get your Annual Notice of Change (ANOC)?
54:58 If I am turning 65 in March of 2027, does this upcoming Open Enrollment Period apply to me?
56:21 If I’ve had a UHC supplement for six years, can I change my carrier during the Annual Enrollment Period?
57:36 What are the differences between Plan G and N, and if you choose Plan G one year, can you switch to N in a different year?
58:40 Is there anything advice-wise for anyone in their 80s or 90s that would be different from what was shared so far (which applied mostly to 65- to 70-year-olds)?
01:01:16 How can we contact Karl with additional questions, even outside of Open Enrollment Period?
01:02:47 Outro
