Do you feel overwhelmed by Medicare commercials, confusing deadlines, and surprise costs? In this Farm Truck Financial episode, Eric Kearney sits down with Southwest Florida Medicare expert Carmela to simplify the Medicare maze and help you avoid expensive mistakes.Schedule a farm-fresh second opinion with Retirement Wealth Advisors: https://farmtruckfinancial.com | Or call 601-THE-FARM to book a conversationWhen it comes to Medicare, it is easy to get “sold” something and never hear from that company again. That is why Eric brings Carmela back for a deeper dive into the real questions retirees ask, including Medicare Select, enrollment timing, and how Medicare fits into a full financial plan.In this conversation, you will learn how the key ages 62, 65, and 67 connect Social Security and Medicare decisions, and why the timing matters for income planning, taxes, and healthcare costs. Carmela also explains IRMAA, the Income-Related Monthly Adjustment Amount, and why Social Security uses a two-year lookback when calculating Medicare premium surcharges. (And if your income dropped due to retirement or another life change, there may be a way to appeal and get those premiums adjusted.)Eric and Carmela also break down the difference between Original Medicare with a supplement (Medigap) versus Medicare Advantage plans, including the real-world impact of provider networks and what happens when doctors move in and out of network. They cover what Medicare does not cover, including common gaps like dental, vision, and hearing, and they discuss the retirement “budget buster” that catches families off guard: long-term custodial care.If you are still working past 65, Carmela explains what to look for in employer coverage so you can delay Part B without penalties, plus an important heads-up if you are contributing to an HSA.Investment Advisory Services offered through Retirement Wealth Advisors, Inc. (RWA) an SEC Registered Investment Advisor. Eric Kearney Advisor, LLC, Retirement Wealth Advisors, LLC and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.