It’s the most common thing we hear from fellow veterans in Memphis: “I have VA coverage. Why would I need Medicare?” Fair question — and the answer surprises most people: VA coverage and Medicare aren’t competitors. They’re two separate systems, and used together they can cover each other’s gaps. What VA coverage doesn’t do VA

Your 65th birthday comes with a deadline most people don’t know about. Medicare gives you a 7-month Initial Enrollment Period: the three months before your birthday month, your birthday month, and the three months after. Miss it, and you can face a lifetime late-enrollment penalty on Part B — 10% added to your premium for

Every fall, Medicare gives you one chance to change your coverage for the coming year. It’s called the Annual Enrollment Period (AEP), and this year it runs from October 15 through December 7, 2026. Changes you make take effect January 1, 2027. What you can do during AEP During these seven weeks you can switch