Supplement or Advantage? A Kitchen-Table Way to Decide
There's no universally right answer to Supplement vs. Advantage — only the right fit. Paul Todd shares the five kitchen-table questions he uses, plus the switching rule most people never hear.


There's no universally right answer to Supplement vs. Advantage — only the right fit. Paul Todd shares the five kitchen-table questions he uses, plus the switching rule most people never hear.

Twenty percent sounds manageable until you learn Original Medicare has no annual out-of-pocket maximum. Paul Todd explains the gap calmly, and the one question it should make you ask.

Most Medicare explanations start with fine print and never reach the big picture. Paul Todd flips it — the four Parts, the two roads, and the handful of dates, in about five minutes.
About four months before your 65th birthday, the mailbox fills up, and the phone won't quit. Paul Todd explains what's real, what's advertising, and the four things actually worth doing this week.