Topic

Part D

2 articles

Medicare Advantage vs. Medigap: How the Two Paths Compare

After Original Medicare, retirees face a fork: add a Medigap policy, or swap into a Medicare Advantage plan. The two work very differently on premiums, out-of-pocket risk, doctor choice and the ability to change your mind later. This guide lays out the trade-offs and the enrollment windows that matter.

October 23, 2026 7 min read

Retirement

Medicare IRMAA Explained: How Income Raises Your Premiums

Higher-income retirees pay more for Medicare Part B and Part D through a surcharge called IRMAA. It is based on a tax return from two years earlier and works in brackets, so a single dollar of income can move you up a tier. Here is how it works, what counts as income and how to appeal.

October 23, 2026 6 min read