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 waited five years to switch from MA to Original Medicare, was medically underwritten and denied due to preexisting conditions.
5. Network Surprise
   • Linda lost her in-network doctor mid-year and had only 30 days to find a new one, illustrating how MA networks can change unpredictably.
6. Documentation Victory
   • Frank spotted $2,400 in fraudulent charges on his Medicare Summary Notice, reported them, and got full reimbursement after investigatio.n
7. Move That Worked
   • Carol leveraged her SEP to transition MA plans seamlessly when relocating from Florida to Ohio
8. Wellness Visit Discovery
   • Tom’s first free Annual Wellness Visit at 72 uncovered atrial fibrillation—preventing a potential stroke
9. Successful Appeal
   • Nancy appealed an $8,000 cardiac procedure denial with medical documentation and won approval.
10. Coordination Success
    • Bill and his spouse Sarah, coordinated primary/secondary benefits effectively during cancer treatment, avoiding billing conflicts

Key Takeaways:

• Verify creditable coverage before delaying enrollment
• Evaluate total plan costs, not just premiums
• Use SEPs and annual wellness visits proactively
• Keep detailed records to spot and correct errors
• Appeal denials with thorough documentation

Next Episode Preview: Wisdom Wednesday—advanced insider strategies to maximize Medicare benefits and avoid pitfalls.