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June 12, 2026

Medicare SEP and Social Security Claiming: Timing Sequence for Ages 62-65

Practical guide for ages 62-65 on the critical sequencing decision between Medicare Special Enrollment Period and Social Security claiming. Covers how the 8-month SEP window interacts with SS claim timing, Part B penalty implications, and what to do if your SEP expires before reaching 65. Written as an experienced peer, not government manual.

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June 11, 2026

Medicare Part A vs Part B Home Health Coverage After Hospital Discharge

Clarifies the distinct payment rules under Part A and Part B for home health services after a hospital or SNF discharge. Explains coinsurance structure, visit limits, and the coverage gap for daily living aides that Medicare doesn't fund. Written as a peer advisor guiding clients through Medicare's actual home health benefit boundaries.

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June 10, 2026

Medicare Plan Finder Part D Drug Cost Comparison Tutorial

Walks through the Medicare Plan Finder step-by-step with real drug cost comparisons across two plans, pharmacy network checks, and tier placement examples. Clarifies how to use the tool for readers who want to optimize their Part D coverage. Written as a peer financial advisor, not a government manual.

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June 9, 2026

Medicare Part D Step Therapy: Exception Request Process for Denied Prescriptions

Guides financial advisors helping clients navigate Part D step therapy requirements and prior authorization denials. Includes model exception request language, real-world tier dispute scenarios, and appeal timelines. Written as a peer professional sharing field-tested tactics, not a Medicare manual.

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June 9, 2026

Medicare Enrollment as a Roth Conversion Trigger: IRMAA Bracket Reset Strategy

Examines how Medicare Part B enrollment resets the 2-year IRMAA lookback window, creating a specific Roth conversion opportunity when bracket thresholds shift post-65. Written for financial advisors advising retiree clients; covers the bracket mechanics, timing window, and sequencing with RMD obligations.

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June 8, 2026

Medicare Part B Late Enrollment Penalty: Early Retiree Coverage Gap Strategy

A peer-to-peer guide for financial advisors helping clients retire between 62 and 65 without employer health coverage. Explains how Part B late enrollment penalties are calculated, when the 8-month special enrollment period applies, and how early retirees can avoid permanent premium surcharges.

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Disclaimer: Smart Money After 60 provides educational content only and does not offer personalized financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer.