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Retirement Resilience · Authority Guide

Medicare Planning for Resilient Retirement

Medicare gaps cause $15k+/yr surprises for unprepared retirees. Resilient plans coordinate Parts A, B, D, and Medigap or Advantage deliberately.

In this guide

  1. 1 · Executive summary
  2. 2 · Key takeaways
  3. 3 · Key strategies
  4. 4 · Pro-tips checklist
  5. 5 · FAQ
  6. 6 · Related guides & tools

Executive summary

Medicare gaps cause $15k+/yr surprises for unprepared retirees. Resilient plans coordinate Parts A, B, D, and Medigap or Advantage deliberately.

  • Enroll Part A at 65 even if still working
  • IRMAA surcharges for high income
  • Compare Medigap vs Advantage carefully

Key takeaways

  • Enroll Part A at 65 even if still working
  • IRMAA surcharges for high income
  • Compare Medigap vs Advantage carefully
  • Part D for drug coverage

Key strategies

  1. Strategy 1

    Enroll Part A at 65 even if still working

  2. Strategy 2

    IRMAA surcharges for high income

  3. Strategy 3

    Compare Medigap vs Advantage carefully

  4. Strategy 4

    Part D for drug coverage

Pro-tips checklist

  • Re-shop Part D annually — formularies change
  • Avoid Advantage if you travel frequently

FAQ

What's IRMAA?

Income-Related Monthly Adjustment Amount — surcharges added to Part B and D based on income two years prior.