WHO WE SERVE

Medicare guidance for people navigating real-world situations

Medicare Clear Path was built for people who want to understand Medicare before making decisions — without pressure, sales tactics, or one-size-fits-all explanations.

We work best with individuals who value clarity, context, and thoughtful planning.

Individuals Approaching Medicare (Turning 65)

Many people begin thinking about Medicare as they approach their 65th birthday. This stage often comes with questions about:

• When enrollment is required
• How Medicare Parts A and B work
• What coverage choices exist
• How costs may change over time

We help individuals understand how Medicare applies to their situation and what decisions can be made now versus later — without rushing the process.

Retirees & Near-Retirees

Retirement often brings changes to income, employer coverage, and healthcare benefits. Medicare decisions at this stage can affect:

• Monthly premiums
• Enrollment timing
• Coordination with retiree health plans
• Long-term flexibility

Our guidance is designed to help retirees understand how Medicare fits into their broader retirement picture, so there are fewer surprises after coverage begins.

People with Employer or Retiree Coverage

Many individuals reach Medicare eligibility while still covered by:

• Active employer plans
• Spousal coverage
• Retiree health benefits

These situations can involve coordination rules that aren’t always clearly explained. We help clarify:

• When Medicare becomes primary or secondary
• Whether enrollment can be delayed
• How existing coverage interacts with Medicare

The goal is to ensure coverage decisions are informed — not assumed.

Veterans & Those with VA Coverage

Veteran benefits can be an important part of healthcare coverage, but they operate differently from Medicare.

We provide guidance to help veterans understand:

• How VA coverage and Medicare work together
• When Medicare enrollment may still be beneficial
• Common misconceptions around relying on VA coverage alone

This information is presented with respect for the benefits veterans have earned — and with clarity around how systems overlap.

Individuals Concerned About Costs, Penalties, or Timing

Some people come to Medicare Clear Path with specific concerns, such as:

• Potential Medicare penalties
• IRMAA and income-based premium changes
• HSA contributions and Medicare enrollment
• Missed or upcoming enrollment windows

Our role is to explain how these factors apply to your situation and what options exist — without creating unnecessary urgency or stress.

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Who We’re Not the Best Fit For

Medicare Clear Path may not be the right fit for individuals who:

• Are looking for immediate plan enrollment without explanation
• Prefer high-pressure sales interactions
• Want generic recommendations without context

Our process is designed for people who want to understand first, then decide.

A Thoughtful, Individual-First Approach

Every Medicare situation is different. Our work focuses on:

• Personalized explanations
• Clear timelines
• Practical insights
• Respect for your pace and preferences

Whether you’re early in the process or navigating a specific concern, Medicare Clear Path exists to help you move forward with confidence.

If you’re unsure where you fit, that’s often the best place to start.

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