Medicare Q&A: Your Top 5 Questions Answered About Part B, Medigap, and IRMAA

Are you confused about Medicare and looking for clear answers to your most pressing questions? In this informative Q&A episode, hosts Cameron Giardini and Joanne Giardini-Russell from Giardini Medicare answer real questions from their audience to help you navigate the complexities of Medicare.

Whether you're unsure about enrolling in Medicare Part B, dropping Medigap coverage, or how the IRMAA surcharge impacts your premiums, this episode covers it all. We also dive into topics like:

- Returning to Work After Medicare Enrollment: What happens if you enroll in Medicare, but later gain access to employer coverage? Can you drop Part B? What happens when you want to re-enroll?

- Medicare Advantage Changes for 2025: Find out about the new rules, including how plans will be required to notify enrollees about unused benefits.

- Medigap and Maximum Out-of-Pocket (MOOP): Does Medicare Supplement Plan N have a maximum out-of-pocket limit? Learn about the differences between Medigap plans and how you can protect yourself from high medical bills.

- IRMAA Surcharges Explained: How does your income affect your Medicare premiums, and can you appeal if your income drops after retirement?

- Medicare Enrollment Timing: Do you need to enroll in a Medicare Supplement or Medicare Advantage plan at the same time as you apply for Medicare?

Our hosts break down these important topics with simple, step-by-step guidance. Whether you’re a first-time Medicare enrollee or currently re-evaluating your coverage, this episode offers actionable advice that can save you from costly mistakes.

Who is this episode for?

- Individuals turning 65 and navigating their Medicare Initial Enrollment Period.
- People who want to understand their options for Medigap or Medicare Advantage.
- Those returning to work after retirement and wondering about dropping Part B.
- High-income earners dealing with IRMAA surcharges and wanting to know their options for appeal.
- Anyone looking for clear, accurate Medicare advice in an easy-to-understand format.

- Leave a review on your favorite podcast app to help others discover this episode.
- Visit our website gmedicareteam.com
- Follow us on YouTube or TikTok by searching "Giardini Medicare" for more helpful content.
- Email us your Medicare questions at info@gmedicareteam.com

Episode Sources:

Cancelling Medicare Part B

MA Supplemental Benefit Notification

More MA Extra Benefit Information

IRMAA Information