Patrick Friery - Understanding Medicare

08/13/2026

Answering questions from yesterday’s webinar.
If you know someone that could benefit from having questions like these answered, send me a message and I’ll get you an invite to an upcoming webinar!

08/07/2026

The average traditional funeral in America now costs between $8,000 and $12,000.

Leaving those costs to grieving children is a burden no parent wants to pass on.

Final Expense Whole Life Insurance offers:
✅ Fixed premiums that NEVER increase as you age
✅ Benefits that NEVER decrease
✅ No mandatory medical exams (just simple health questions)
✅ Payouts sent quickly to your beneficiary tax-free

Lock in your rate today so your family is protected tomorrow.

💬 Comment "PEACE" or send a direct message to review rates for ages 50–85.

08/07/2026

Turning 65 is a major milestone, but navigating Medicare can feel overwhelming if you don't know what to expect.

3 Things You Need to Know When You're Turning 65

Medicare enrollment may require action on your part: Unless you are already receiving Social Security or Railroad Retirement Board benefits, you will not be enrolled automatically. You must actively sign up during your 7-month Initial Enrollment Period (which starts 3 months before the month you turn 65).

Medicare is not free, and it doesn't cover everything: Original Medicare comes with premiums, deductibles, copays, and coinsurance. It also excludes several routine health services, which is why many choose to add supplemental coverage or a Medicare Advantage plan.

You may pay lifelong penalties if you enroll late: Missing your Initial Enrollment Period without having other qualifying coverage (like employer insurance) can result in permanent monthly late enrollment penalties for Part B and Part D.

Don't leave your healthcare to chance—getting ahead of your coverage options early saves time, money, and stress!

Have questions about your initial enrollment window? Drop a comment or send a message to get clear, step-by-step guidance!

08/06/2026

Turning 65 in November? Your Medicare Initial Enrollment Period (IEP) is officially open!

If you’re reaching this milestone, you have a 7-month window to sign up for Medicare:
3 months before the month you turn 65
The month you turn 65
3 months after the month you turn 65

While 7 months sounds like plenty of time, enrolling as early as possible during those first 3 months is the best move. Here is why you shouldn't wait:

Seamless Coverage Start: Enrolling before your birth month ensures your Medicare coverage kicks in on the first day of the month you turn 65, eliminating any gap in health insurance.

Avoid Late Enrollment Penalties: Missing your IEP can lead to lifelong financial penalties added to your monthly Part B (and Part D) premiums.

Avoid Delays in Medical Care: Waiting until your birth month or the months after can delay your coverage start date by weeks or months, leaving you vulnerable to unexpected healthcare costs.

Time to Compare Plans: Signing up early gives you extra time to evaluate Supplemental (Medigap), Medicare Advantage, and Prescription Drug plans without feeling rushed.

Take control of your healthcare coverage today so you can enjoy your 65th birthday stress-free!

Need help navigating your options or finding the right plan? Drop a comment below or send me a message to get started!

08/06/2026

Recap of the Q&A from yesterday’s webinar. Send me a message if you’d like to attend next week!

08/05/2026

My weekly Medicare 101 webinar is 90 minutes away! There’s still time to register. Send me a message and I’ll get the link over to you.

08/04/2026

🚨
Most people assume signing up for Medicare is automatic, but missing key enrollment windows for Part B or Part D can trigger permanent monthly penalties that stack up year after year.

Want to make sure your Medicare transition is completely bulletproof? Join me live for an educational webinar tomorrow, Wednesday at 12:00 PM EST. We’ll break down enrollment timelines, cover exact strategies to dodge lifetime penalties, and take your questions live.
👉 Save your spot for Wednesday at 12:00 PM EST https://webinarkit.com/webinar/registration/6a5e9f80712fd7530a4fa78e

Have questions before tomorrow? Drop them in the comments below or send a direct message! 👇

08/04/2026

🚫 Don't Let the Medicare Part B Penalty Surprise You!

Did you know that not enrolling in Medicare Part B at the right time could lead to a permanent 10% higher premium for every 12-month period you were eligible but didn't enroll? This isn't just a one-time fine—it's a lifelong penalty! 💸

Are you turning 65 or retiring soon? Make sure you know exactly what you need to do to avoid this costly, permanent mistake.

👇 Join my FREE Webinar to learn how to navigate these rules and protect your retirement budget! 👇

🎙️ LIVE Webinar: Navigating Part B and Avoiding Costly Mistakes
🗓️ Wednesday
⏰ Noon EST

Ready to get clarity?

👉Comment "Penalty" or send me a message and I'll get you a link to register

Don’t gamble with your retirement. Get the facts this Wednesday!

Send a message to learn more

08/03/2026

⚠️ Don't get hit with a permanent Medicare penalty!

If you go 63+ days without Medicare Part D or other creditable drug coverage after turning 65, Medicare adds a Late Enrollment Penalty to your monthly plan cost.

3 Key Facts:
1. It lasts for life: Once incurred, you pay it every month as long as you have Part D.
2. It grows over time: The longer you wait, the higher the monthly fee.
3. It’s avoidable: Sign up when first eligible—even a low-cost plan protects you from future fees.

Questions about your coverage? Send me a message or comment “Part D” below

08/03/2026

Did you know Original Medicare has no out-of-pocket maximum? Or that Medicare Advantage plans can charge hundreds per day in hospital copays?
Join me live this Wednesday at 12:00 PM EST for a 30-40 minute educational session.

🎟️ Save your spot: Comment "ME" below or send me a message and I’ll get you a link to join advantage