REPLAY: Medicare Made Clear with Carly Rosswurm (Ep. 88)
Health insurance decisions can feel overwhelming, especially when timelines, penalties, and rising costs all collide at once.
What should you know before turning 65? How do you compare employer coverage, Medicare supplements, and Advantage plans without feeling buried in confusing terms?
In this episode, Nicole Romito revisits her conversation with Carly Rosswurm, Director of Medicare Solutions at Ash Brokerage, that breaks down how Medicare works and what people should consider before enrolling. They discuss the differences between Medicare Parts A, B, D, supplement plans, and Advantage plans, along with enrollment periods, income-related premium adjustments, prescription coverage, and travel considerations. Carly also shares practical guidance for avoiding penalties and reviewing coverage changes each year.
Key takeaways:
- Understanding how Medicare Parts A, B, D, and supplement plans work together after age 65
- Comparing employer coverage with Medicare options based on costs, prescriptions, and travel needs
- Reviewing annual enrollment changes that may impact prescription costs and provider networks
- Considering IRMAA income adjustments and how retirement can affect Medicare premium amounts
- Evaluating Medicare Advantage and supplement plans based on flexibility and out-of-pocket costs
- And more!
Connect with Nicole Romito:
Connect with Carly Rosswurm:
About Our Guest:
Carly Rosswurm is the Director of Medicare Solutions at Ash Brokerage. Carly graduated from Indiana University with a degree in business and a concentration in marketing. Since then, Carly has always focused on the realm of Medicare. She has been Life & Health licensed for 17 years, and has experience in Medicare marketing, contracting, compliance, continuing education, and sales. With the Medicare Modernization Act of 2003, Carly first got involved in Medicare when the Part D plans were first mandated, and Medicare Advantage plans were first coming into the market. Through continuing education courses, Carly has offered licensed agents and advisors classes on the importance of knowing Medicare basics, along with the difference between Medicare Advantage plans versus traditional Medicare Supplements. A few years ago, Carly bought an old historic home in West Central, Fort Wayne that she completely remodeled with the help of her dad. She lives downtown with her two dogs, Tev and Percy.
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