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Also, feel free to ask us questions about Medicare and strategies you should know.

Simply fill out the form and type 'Download Guides' in the Subject line to access the publications free of charge.

Please fill out the form below and type 'Download Guides' in the Subject line to access all of the publications free of charge.  



Finding Your Way With Medicare

​Do you know how much health care will cost during retirement? Health care can be one of the biggest expenses in retirement and one you may be underestimating. In fact, as of 2015, a marital couple age 85 and older on average can expect to spend $13,088 in out of-pocket medical expenses.

7 Things to Know About Medicare


​1.  It doesn’t cover everything.

Most long-term care isn’t covered, and Medicare may require you to pay a deductible and/or a hare of costs for some services.

2.  If you enroll on time, you can avoid expensive penalties.
In general, be sure to sign up in the seven-month period that opens three months before the month you turn 65 and closes three months after that or during your special election period if you work past the age of 65.

3.  If you’re waiting until after 65 to take Social Security benefits, remember to still enroll for the parts of Medicare that you may want.
That way you can avoid penalties.

4.  You can manage your retirement income to manage what you pay for Part B premiums.
Why pay more?

5.  Your plan’s coverage
Remember to check whether your plan’s coverage extends beyond your local area. That way there won’t be any surprises if you need health care while traveling. 

6.  HSA and Medicare
If you have a health savings account, Medicare says to stop contributing to it at least six months before applying for Medicare to avoid tax penalties. However, you can still use HSA money to pay Medicare Part B and D premiums. 

7.  If you’re unhappy with your coverage, you can shop around and switch plans during annual open enrollment periods.


You don’t always have to keep a plan that doesn’t meet your needs.

Call now to schedule an appointment:

505-850-3151

Accountants and Advisors, LLC

For years, you and your spouse may have contributed to Medicare.  Now, the time is approaching when you can rally reap the rewards.


While Medicare doesn’t cover everything, it does lighten the load of health care costs for older Americans. Our information is meant to give an overview of how it works.


Our goal is simply about arming you with knowledge, so you can make informed decisions.