High-income earners frequently make costly Medicare enrollment errors that result in permanent penalties, inadequate coverage, or unnecessarily high premiums. IRMAA surcharges, late enrollment penalties, and misunderstanding of employer coverage coordination create expensive mistakes that compound over retirement years. These errors often stem from assumptions about Medicare that don't apply to high earners or misconceptions about employer retiree coverage.

This session identifies the most common Medicare mistakes made by affluent retirees and provides strategies to navigate enrollment successfully. We'll examine IRMAA income thresholds, employer coverage coordination rules, and supplement insurance decisions that frequently trip up high earners. You'll learn how to time Medicare enrollment correctly, understand the true costs of different coverage options, and make informed decisions that optimize both coverage and costs throughout retirement.

Advisory services through Wealth Enhancement Advisory Services, LLC, a registered investment advisor and affiliate of Wealth Enhancement Group®. Wealth Enhancement Group is not affiliated with or endorsed by your company. This information is not intended as a recommendation or to provide individualized tax or legal advice. Discuss your specific situation with a qualified tax or legal professional. The opinions are subject to change at any time, and no forecasts can be guaranteed. Investment decisions should always be made based on an investor's specific circumstances. Investing involves risk, including potential loss of principal.