Welcome to True Story Tuesday on Real Easy Medicare with Al Kushner! In this episode, Al shares seven authentic beneficiary stories that illustrate how seemingly small decisions can lead to lasting consequences—and how to avoid them.

1. Margaret’s Late Enrollment Disaster
   • Missed Part B IEP, went uninsured for four months after a broken hip, incurred $80,000 out-of-pocket costs and a permanent 10% penalty
2. Robert’s Zero-Premium Trap
   • Chose MA for zero premium, faced network limitations, high copays, and a $7,800 out-of-pocket maximum during heart care
3. James’s Medigap Timing Error
   • Delayed Medigap beyond his six-month window, was medically underwritten and denied coverage after a cancer diagnosis
4. Susan’s Network Nightmare
   • Lost in-network doctor mid-year and surgeon out of network, resulting in $15,000 surprise bills
5. Paul’s SEP Confusion
   • Worked past 65, missed the 8-month SEP after retirement, incurred permanent Part B and Part D penalties, and limited Medigap options
6. Dorothy’s Dual Coverage Mistake
   • Enrolled in Part B unnecessarily while on employer insurance, paid duplicate premiums for eight months
7. William’s Benefit Illusion
   • MA dental and vision benefits fell short of actual needs, and high medical copays led to higher total costs than a Medigap plan

Key Takeaways:

• Enroll within IEP and SEP windows to avoid penalties
• Evaluate total plan costs, networks, and benefits beyond premiums
• Understand guaranteed issue periods for supplemental coverage
• Recognize that MA networks and benefits can change unpredictably

Next Episode Preview: Wisdom Wednesday—uncover advanced strategies and insider insights from Al’s four decades of Medicare expertise.