Reducing confusion with Medicare planning

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(WILX) - Even if you're not, maybe your parents or other older, loved ones are approaching an age where some big decisions have to be made about how, when and where you'll get medical care after retirement.

And although there's no confusion, all of us pay medicare tax... The same can't be said about how medicare works.

"Well, I read an article just recently that said 82% of seniors are confused about Medicare - I think that is about 18 points short," said John Hill of Gateway Retirement.

Confused and probably, intimidated. But, as long as you remember that sign-up occurs 3 months before or after their 65th birthday, Medicare expert John Hill says you'll be okay.

"You need to be active and not just let things happen because that is how people get penalties," said Hill.

He helps people navigate the Medicare maze, and sells the insurance they'll need above and beyond basic Medicare. Plus, offers advice on whether to go with original or Medicare Advantage.

"Medicare Advantage will change every year, they will change their networks, doctors can go in and out of networks if they want to," said Hill.

What you're being taxed for now is Medicare A, for hospital stays after age 65. Medicare B is the government insurance you'll probably need to pay doctors and other providers after retirement. All of this is found on the medicare.gov website.

"If you're going to help grandma, first you need to get educated because you have the link with her to get information but you may have to educate yourself," said Hill.

Medicare.gov offers free assistance programs in every state click here for more information.