In this fun and highly practical episode of Rayna Retirement, Rayna Reyes helps you “ride the Medicare train” with confidence. Whether you're turning 65, retiring from federal service, or navigating disability-based eligibility, Rayna breaks down exactly who qualifies for Medicare, when you can enroll, and how to avoid costly penalties.

She explains the differences between Medicare Parts A, B, C, and D, what each one actually covers, and how Medicare interacts with FEHB and Postal Service health benefits, including the new rules requiring many Postal retirees to take Part B.

Rayna also walks through the updated 2026 Medicare Part B premium grid, why your income from two years ago determines your monthly costs, and why AEP (Annual Enrollment Period) is your chance to make sure you’re on the right plan.

If you’re confused by Medicare Advantage plans, Part B givebacks, or the flood of advertisements hitting your mailbox each fall—this episode gives you clarity, confidence, and a clear next step.

Contact Rayna directly at 850-450-6500
Or call the American Federal Benefits Consultants team at 1-800-872-8857
Visit: AmericanFederal.org

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YouTube: https://www.youtube.com/@RaynaRetirement

Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning.

Whether you're navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way. Tune in for practical knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.