Medicare, Open Enrollment, and Avoiding Costly Mistakes

Every fall, federal and postal employees face important decisions during open enrollment. In this episode of Rayna Retirement, host Rayna Reyes breaks down how annual health plan changes impact your wallet, what to watch for in your Annual Notice of Change, and how Medicare fits into your retirement plan. 

Rayna explains Medicare Parts A, B, C, and D in plain language—plus shares real client stories about how missing open enrollment or delaying Medicare decisions can cost thousands. You’ll also learn how Medicare Advantage plans, Part B premiums, and the dreaded IRMAA (Income Related Monthly Adjustment Amount) can affect your retirement budget.

Whether you’re still working or already retired, this episode gives you the tools to avoid surprises, make informed decisions, and protect your financial future. 

Schedule your free appointment with Rayna and her team at American Federal Benefits Consultants today. Call Rayna directly at 850-450-6500 or reach out to her team at 1-800-872-8857.

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Contact: Rayna and the team at American Federal Benefits Consultants, call 1-800-872-8857 or visit AmericanFederal.org.

YouTube: https://www.youtube.com/@RaynaRetirement

Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning.

Whether you're navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way. Tune in for practical knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.