MEDICARE TIMING AND COVERAGE

Healthcare Ridge

Navigate enrollment, Parts A–D, Medicare Supplement versus Medicare Advantage, IRMAA, prescriptions, and annual review.

GUIDES, CHECKLISTS & VIDEOS

Healthcare Ridge Resources

View the educational materials created for this planning ridge. Every item also remains available in the complete Resource Library.

Cover of Healthcare Ridge: Medicare Conversation GuideSSFG Planning Guide
Solutions for Seniors Financial Group

Healthcare Ridge: Medicare Conversation Guide

A practical guide for organizing Medicare timing, employer coverage, HSA coordination, coverage choices, prescriptions, costs, travel, and annual reviews.

Reviewed August 8, 2026
Cover of Healthcare Ridge: Medicare Readiness ChecklistSSFG Checklist
Solutions for Seniors Financial Group

Healthcare Ridge: Medicare Readiness Checklist

A printable checklist for building a Medicare timeline, comparing coverage, estimating total healthcare costs, and confirming that coverage works after enrollment.

Reviewed August 8, 2026
01

Enrollment Timeline

Medicare enrollment periods determine when coverage can begin and whether late penalties or gaps may apply.

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02

Parts A, B, C & D

Each part of Medicare serves a different purpose and affects premiums, access, prescriptions, and out-of-pocket exposure.

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03

Supplement vs. Advantage

The choice between Original Medicare with a supplement and Medicare Advantage affects networks, premiums, referrals, and flexibility.

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04

Working Beyond 65

Employer coverage and Medicare rules must be coordinated carefully when employment continues past age 65.

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05

IRMAA

Income-related Medicare surcharges can make tax and conversion decisions more expensive than expected.

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06

Common Mistakes

Medicare errors can cause penalties, coverage gaps, restricted provider access, or unnecessary costs.

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Solutions for Seniors
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