Episode Details

Medicare can feel overwhelming, especially when you’re approaching age 65, planning for retirement, or trying to understand how your current coverage fits with what comes next.

In this special episode, Rose Price, CFP®, AIF®, and Chris Mellone, CFA, CFP®, AIF®, are joined by Emily O’Halloran, Executive Director of EMP Group, to break down the Medicare decisions that often create the most confusion for retirees and pre-retirees.

The conversation covers when to start planning, how employer coverage and COBRA interact with Medicare, the differences between Parts A, B, C, and D, Medicare Advantage versus Original Medicare, Medigap coverage, IRMAA, prescription drug costs, open enrollment, and changes to watch for in 2027.

Key Topics:
• Medicare Enrollment & Working Past 65: Understanding when enrollment is required, when it may be postponed, how employer size can affect your options, and why COBRA may not work the way many people expect.
• Understanding Your Medicare Options: Breaking down Medicare Parts A, B, C, and D, along with Medicare Advantage, Medicare supplement insurance, and the tradeoffs that come with different types of coverage.
• Medicare Costs, IRMAA & Prescription Coverage: Exploring how income can affect Medicare premiums, how Part D costs can change, and why reviewing prescription coverage each year can be an important part of retirement planning.
• Open Enrollment & 2027 Changes: What current Medicare beneficiaries should review during open enrollment and some of the changes that may affect coverage and costs in the year ahead.


Visit vlpfa.com to download resources or schedule a complimentary consultation to begin your personalized Retirement Readiness Journey: https://www.vlpfa.com/contact-us


Securities offered through Cetera Wealth Services LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment advisor. Cetera is under separate ownership from any other named entity. The views stated in this material are not necessarily the opinion of Cetera Wealth Services LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Hosted by Rose Price, CFP®, AIF®, Partner, Financial Advisor and Chris Mellone, CFA, CFP®, AIF® Partner, Financial Advisor. Co-hosted by Emily O’Halloran. Emily O’Halloran is not affiliated or registered with Cetera Wealth Services, LLC. Any information provided by them is in no way related to Cetera Wealth Services, LLC or its registered representatives.  VLP Financial Advisors, 1751 Pinnacle Drive, Suite 425, McLean, VA 22102 | 703-356-4360.