Medicare sign up question

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

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.

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.