Remember that many Medicare advantage HMO plans do require a referral from your primary care doctor in order to see a specialist. You must have a primary care doctor in order to enroll and if you do not choose one, the insurance company will choose one for you. But you can change it at any time by calling customer service number and telling them the name of your new doctor | The Medicare Family

To see if you’ll trigger Medicare Irma, two years from now take your total expected profit from your house. Subtract the cost of selling in any improvements then subtract your tax exemption if it was your primary residence for two of the past five years. You would subtract $250,000 if you’re single or $500,000 if you’re a couple. What is left will be your profit add that to your other income for the year and then cross reference that with the Medicare Irma brackets. You can download my free chea

If Medicare is primary and you’re not enrolled in Medicare and you’re working for a company with less than 20 employees at age 65 or older than your insurance will only pay after what Medicare would have paid. Meaning you’re going to be on the hook for a lot of of your medical expenses because you did not have Medicare. | The Medicare Family