SRSIG Medicare Academy

What Medicare is, what it covers, and the four parts (A, B, C, D) explained in plain language.

• Original Medicare vs. Medicare Advantage
• What Part A and Part B cover
• The coverage gaps you need to know about

The most important Medicare decision you'll make — and how to get it right the first time.

• Network restrictions and doctor access
• Out-of-pocket cost comparison
• Why switching later can be costly

How to choose a drug plan that actually covers your medications without overpaying.

• How formularies work
• The coverage gap ("donut hole")
• Comparing plans using Medicare's Plan Finder

Miss a deadline and you could pay higher premiums for life. Here's what to know.

• Initial Enrollment Period (IEP)
• Special Enrollment Periods (SEP)
• Late enrollment penalties and how to avoid them

Higher earners pay more for Medicare. Learn how income-related surcharges work and how to plan around them.

• How IRMAA surcharges are calculated
• Which income counts toward IRMAA
• Strategies to reduce your IRMAA exposure

How your retirement income decisions affect your Medicare costs — and how to coordinate both.

• Annuity income and IRMAA thresholds
• Roth conversions and Medicare cost planning
• Coordinating Social Security timing with Medicare