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You can delay Medicare enrollment past 65 if you have qualifying employer coverage, but you must follow strict timelines to avoid paying late enrollment penalties for Part B and Part D. Medicare charges higher premiums to high earners through IRMAA, using your income...

Many people confuse Medigap with Medicare Advantage or assume it covers everything. Missing the open enrollment period can lead to higher costs or denial. Comparing plans and enrolling early helps ensure better coverage and savings. Medigap plans often play a vital...

CMS raised 2025 broker commissions for Medicare Advantage and Part D plans, with rates varying by region to reflect differences in plan complexity and beneficiary support needs. Legal challenges paused a CMS rule to standardize broker compensation, so traditional...