Short, plain-English answers to the Medicare and Social Security questions that actually trip people up. Every one of these has a video if you would rather watch than read, and none of them run over three and a half minutes. No jargon, no sales pitch, and no pretending everything is free.
Turning 65 and enrolling
Still Working at 65? When You Can Delay Medicare Part BThe 20-employee rule, why COBRA does not count, and the two clocks that run at different speeds.Watch the video, or read the whole thing ›Already Drawing Social Security at 65? Medicare Enrolls You AutomaticallyParts A and B just show up in the mail. Here is when to keep Part B and when to decline it.Watch the video, or read the whole thing ›Turning 65 With a Younger Spouse: What Happens to Their CoverageMedicare covers one person. The day you retire is the day their coverage problem starts.Watch the video, or read the whole thing ›
What Medicare costs
How Much Does Medicare Cost Per Month in 2026?There is no single price. Here is the real math on both ways of paying for it.Watch the video, or read the whole thing ›How Much Does a Hospital Stay Cost With Medicare?The same six days can cost nothing, $1,736, or a couple thousand. It depends how you set things up.Watch the video, or read the whole thing ›Medicare Plan G vs Plan N: Which Supplement Should You Choose?One tradeoff decides it: pay a little more monthly, or a little each time you go.Watch the video, or read the whole thing ›
Social Security
How Is Social Security Calculated? Your Top 35 Years ExplainedNot your last years, not your best year. If you worked fewer than 35, the gaps count as zeros.Watch the video, or read the whole thing ›Social Security COLA vs Medicare Part B: What You Actually KeepThe raise is announced in October. The premium increase lands in November. Both hit one check.Watch the video, or read the whole thing ›
Watch instead
All of these are on YouTube: Lets Talk Medicare With Rick.
Got a question that is not here?
I am Rick Caso, an independent Medicare advisor with Falcon Life and Health, based in Port Charlotte, Florida and licensed in 24 states. If your situation does not match anything above, call or text 941-412-2362 and we will work through it.