The answer library
10 years of plain-language Medicare answers.
The library Nancy Zajac built over a decade, kept current and growing under Barb. Search by topic, or take the quiz to find your enrollment window.
Browse by topic
Medicare Basics
Parts A, B, C, and D explained in plain English.
Enrollment Timing
IEP, AEP, OEP, SEP — which window applies, and when.
Medicare Costs
Premiums, deductibles, IRMAA, and what changes year to year.
Switching Plans
When you can switch, how to switch, and what to compare.
Ohio-Specific Rules
How Medicare interacts with Ohio Medicaid, OPERS, and STRS.
ACA / Marketplace
Coverage before 65 or between employer plans.
Life Insurance Basics
Term, whole life, and final expense without the jargon.
AEP (Annual Enrollment)
What changes Oct 15 – Dec 7 every year.
Long-Term Care
Planning for extended care, and why Medicare and Medicaid fall short.
Dental & Vision
Why dental and vision coverage is worth it, and what exams catch.
Supplemental Insurance
Cash-benefit policies that fill the gaps your medical plan leaves.
Small Business Health Insurance
Group vs. individual coverage, and what a good broker should do for you.
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