Welcome to Tips & Tricks Thursday on Real Easy Medicare with Al Kushner! In this episode, Al delivers 18 immediately actionable strategies to streamline your Medicare experience and protect your health and wallet.

1. Medicare Card Protection
   • Carry photocopies or phone photos, not your original card
2. Provider Directory Double-Check
   • Call offices to confirm plan acceptance and new-patient status
3. Annual Wellness Visit Timing
   • Schedule early in the year; a visit doesn’t count toward your deductible
4. Part D Out-of-Pocket Cap
   • Track spending toward the $2,000 true out-of-pocket limit; gap eliminated
5. Summary Notice Review
   • Compare dates, services, and providers; report billing errors promptly
6. Appeal Timeline Mastery
   • File within 60 days of the notice date; use certified mail and keep copies
7. Prescription Transfer Strategy
   • Move scripts to preferred pharmacy and fill 90-day supplies before Jan 1
8. Emergency Room Approach
   • Present all insurance cards; notify MA plans within 48 hours
9. Specialist Referral Rules
   • Keep written referrals for MA; Original Medicare requires none
10. Preventive Service Maximization
    • Use all covered screenings (mammograms, colonoscopies, etc.) at no cost
11. Network Exception Requests
    • Appeal for out-of-network care when in-network access is inadequate
12. Open Enrollment Preparation
    • Start comparing plans in September; list doctors and drugs first
13. Medigap Shopping Secret
    • If denied, try different insurers—underwriting standards vary
14. Part B Premium Reduction
    • File SSA-44 when income drops post-retirement to lower premiums
15. Travel Preparation
    • Verify MA coverage areas; carry Medigap and supplemental cards for Original Medicare
16. Customer Service Strategy
    • Call off-peak, record representative names and reference numbers
17. Fraud Protection
    • Never share your number with unsolicited callers; report scams to 1-800-MEDICARE
18. Technology Optimization
    • Set up Medicare.gov and plan portals; use mobile apps for real-time info

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