Most people don't lose money on Medicare because they were careless. They lose it because nobody told them the rule existed.
A plain-English guide to the Medicare rules, deadlines, and penalties — sent straight to your inbox.
No jargon, no plan names, no pitch. Just the rules that decide what you pay for the rest of your life.
Every enrollment window that matters, when it opens, and exactly what happens if you miss it.
How the Part B and Part D penalties are calculated, and why they follow you for life once they start.
Which coverage actually protects you from a penalty — and the common kinds that don't, even though people assume they do.
A, B, C, and D explained the way someone would explain them to you at a kitchen table.
These aren't edge cases. They're the ordinary mistakes that show up on ordinary people's bills.
Added to your Part B premium for every full year you delayed — charged every month, for as long as you have Part B.
The full length of your initial enrollment window. It opens three months before your 65th birthday month.
Going a single dollar over an income bracket can raise your premium for an entire year.
The employee count that decides whether your job's health plan lets you safely delay Part B.