text:  Likely it's going to be painful, and we could see it sooner rather than later. Well, you mentioned Medicare, also a huge decision. When should somebody begin that process, and what's all involved with that? So Medicare is one word, but it means two different things. There's a big decision you need to make with Medicare. Are you going to go traditional Medicare, which is Part A, B, D, and a supplement, or are you going to go Medicare Advantage, which is Medicare Part C?