Medicare education
Plain-language guides to the parts of Medicare that trip people up: enrollment windows, penalties, forms and plan differences. If something here doesn't match your situation, call me.
Annual Enrollment: Oct 15 to Dec 7
Medicare enrollment & change windows explained
The five windows when you can sign up for Medicare or change plans, and when coverage starts for each.
Eric Johnson ·More guides
Plan N copays: which office visits trigger the $20 (and which don't)
When Plan N charges a copay, and when it does not.
Read the guideThe COBRA trap: Medicare's late enrollment penalty
Why COBRA doesn't protect you from the Part B penalty.
Read the guideMedicare Supplement (Medigap) plan comparison
What each Medigap plan covers, side by side.
Read the guideSSA Form 44 and IRMAA
How to ask Social Security to lower an income-related premium after a life change.
Read the guideMedicare enrollment after age 65: required forms
The forms you need when you enroll after leaving employer coverage.
Read the guideMedicare education guide 2026
The parts of Medicare, what each covers, and what it costs in 2026.
Read the guide