​Medicare serves as a crucial lifeline for millions of Americans aged 65 and older, providing access to essential healthcare services. While enrolling in Medicare is a vital step towards securing comprehensive coverage, some individuals may face financial penalties if they delay enrollment without qualifying for an exception. Understanding the Medicare late enrollment penalty is essential for individuals approaching age 65 to make informed decisions about their healthcare coverage and avoid potential financial consequences.

Physical therapy serves as a cornerstone in rehabilitation, helping individuals recover from injuries, surgeries, and chronic conditions. For millions of Americans aged 65 and older, Medicare serves as a lifeline for healthcare coverage. Understanding how Medicare covers physical therapy is crucial for seniors and individuals with disabilities to access these essential services without facing financial barriers.

As a Medicare beneficiary, an important document that you'll receive each year is the Annual Notice of Change (ANOC). This is typically sent out to beneficiaries in September.  (Be sure to watch out for this document and do not discard it!) Understanding the ANOC can help you make informed decisions about your Medicare coverage and healthcare needs. Let's delve into what the Medicare ANOC is, why it is important to you, and what changes it may contain.