John and Barbara thought the hardest part was behind them after John’s stroke and rehab stay. But when he came home, the challenges — and the bills — only grew. Doctor visits, therapy sessions, medications, and unexpected cognitive decline turned into an exhausting routine that pushed Barbara to her breaking point.

This episode uncovers what Medicare Part B really means for retirees:

• How 20% coinsurance on every visit, test, and therapy session adds up with no out-of-pocket maximum
• Why bringing John home wasn’t the relief Barbara hoped for
• The $8,000/month shock when John returned to the nursing home
• How tapping into John’s IRA set off a financial domino effect — higher taxes, doubled Medicare premiums through IRMAA, and even reduced Social Security checks

John and Barbara’s story reveals how one health crisis can ripple through every corner of retirement — from healthcare to taxes to income security.

Listen now to understand how Part B works, and why planning ahead is critical.

If you’d like a copy of my eBook, The top 10 Medicare mistakes and how to avoid them, go to http://echofc.com/mistakes