Medicare Made Clear

Seven Months to Get It Right. Lifelong Penalties If You Don't.

Medicare is not automatic for everyone, the choices are not reversible on your schedule, and the penalties for enrolling late can follow you for the rest of your life. This educational event, led by Dr. Sam (Sourav) Saha with Rahul Agarwal, CPA, walks through how the parts of Medicare fit together, the enrollment windows that matter for your situation — including if you're still working past 65 — and the questions to ask before you choose a path. It is an educational event only: no plan-specific benefits, premiums, or details will be shared, and no enrollment forms are handled.

What You'll Take Away

Your Roadmap, in Three Parts

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01 · The Parts, in Plain English

A, B, C, D — and Medigap.

What Original Medicare covers and what it doesn't, how Medicare Advantage differs from Original Medicare plus a supplement, how Part D drug coverage works including the annual out-of-pocket cap, and the role of Medigap.

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02 · The Deadlines That Matter

Initial, special, and general enrollment.

Your seven-month Initial Enrollment Period, what changes if you're still working with employer coverage (and HSA contributions), the Special Enrollment Period when you leave that coverage, the General Enrollment Period, and how late-enrollment penalties for Part B and Part D are calculated — for life.

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03 · Medicare & Your Money

Costs, taxes, and coordination.

With Rahul Agarwal, CPA: how income two years back sets your Part B and Part D premium surcharges (IRMAA), how to plan Roth conversions and withdrawals around those thresholds, and what Medicare does not cover — long-term care, most dental and vision — and how families plan for it.

The Audience

Who This Event Is For

✓ Anyone turning 65 in the next 12 to 18 months
✓ People working past 65 with employer coverage who aren't sure whether to enroll
✓ Spouses and families coordinating two different Medicare timelines
✓ Early retirees planning the bridge from private coverage to Medicare
✓ Adult children helping a parent navigate enrollment

Reserve Your Seat

Free Admission. RSVP Required.

Limited seats. Choose the date and format that work best for you.

Choose Your Date & Format *

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Invited By *

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Guests Joining You optional

This information is for educational and follow-up purposes only. Submitting this form does not create a client relationship and does not constitute financial, tax, legal, insurance, investment, real estate, mortgage, or lending advice. A licensed professional will review your request and follow up as appropriate. Email and SMS communications are used only according to the consent selections provided above.

Questions

Frequently Asked Questions

Which dates and formats are available?+

How long is it?+

Is this really free?+

Yes. There is no cost to attend, no purchase required, and no obligation. This is an educational event hosted by Lithos.

Will specific Medicare plans be discussed?+

No. This event is for educational purposes only. No plan-specific benefits, premiums, or details will be shared, and no enrollment forms are handled at the event. If you later want help comparing plans, that is a separate appointment you can request on your own schedule.

I'm still working at 65 and have employer insurance. Should I come?+

Yes — this is one of the most common and costly areas of confusion. Whether you can delay Part B without penalty depends on the size of your employer and how your coverage is structured, and HSA contributions have their own rules. We'll give you the questions to ask your HR department.

Are you connected with Medicare or the government?+

No. Lithos is a private financial services firm and is not connected with or endorsed by the U.S. Government or the federal Medicare program. Official information is available at Medicare.gov or 1-800-MEDICARE.

What's the difference between in-person and online?+

Same content, same speakers, same live Q&A. In-person attendees get printed take-home materials and face-to-face conversation; online attendees receive the materials digitally and the Zoom link by email after they RSVP (and again in the reminder an hour before). Choose whichever date and format fits your week.

Can I bring someone?+

Please do — the best decisions get made together. Tell us how many guests are joining you on the form, and after you RSVP you'll be able to send them a personal invitation so they get their own confirmation and reminders.

This event is only for educational purposes and no plan-specific benefits or details will be shared.

For accommodations of persons with special needs at meetings, call +1 317 668 7286 (TTY 711).

Lithos is not connected with or endorsed by the U.S. Government or the federal Medicare program. Official Medicare information is available at Medicare.gov or 1-800-MEDICARE (1-800-633-4227; TTY 1-877-486-2048).

This seminar is educational. Nothing presented is personalized financial, investment, tax, legal, insurance, real estate, mortgage, lending, or medical advice, and no outcome is guaranteed. Insurance and annuity guarantees are backed solely by the claims-paying ability of the issuing insurer. Attendance carries no obligation. Attendees may request a complimentary review, where products and services may be discussed.