# Medicare sign up question

**URL:** <https://boards.straightdope.com/t/medicare-sign-up-question/978038>\
**Category:** Factual Questions\
**Created:** [January 11, 2023, 3:34pm UTC](https://boards.straightdope.com/t/medicare-sign-up-question/978038 "2023-01-11T15:34:08Z")\
**Posts on this page:** 2\
**Page:** 3

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**Author:** ![jdc](https://avatars.discourse-cdn.com/v4/letter/j/919ad9/32.png) [@jdc](https://boards.straightdope.com/u/jdc)\
**Post date:** [January 18, 2023, 2:10am UTC](https://boards.straightdope.com/t/medicare-sign-up-question/978038/41 "2023-01-18T02:10:36Z")

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I believe many states have programs to advise Seniors about Medicare. In MA the program is called “SHINE” in other states “SHIP” here is a link to page about “SHIP” [About Us | State Health Insurance Assistance Programs](https://www.shiphelp.org/about-us)

I did A & B and an employer subsidized supplemental plan from BC/BS. I did not want to endure the gatekeeping of the Medicare Advantage companies, so even though an Advantage plan might have been cheaper, I was worried about all the in network/out of network hassle and claim screening they must do. Traditional Medicare is also completely portable if you move.

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**Author:** ![Snipe70e](https://avatars.discourse-cdn.com/v4/letter/s/51bf81/32.png) [@Snipe70e](https://boards.straightdope.com/u/Snipe70e)\
**Post date:** [January 22, 2023, 6:37am UTC](https://boards.straightdope.com/t/medicare-sign-up-question/978038/42 "2023-01-22T06:37:13Z")

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> [@dauerbach1](#):
>
> Actually, you can fight that

I tried that. Nope. If your IRMAA goes up due to selling your home you are not allowed to exclude the capitol gains from your IRMAA. I retired 9 years ago. Sounds like your case you were freshly retired and that is different.

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