Medicare Speaker for Financial Professionals, Advocates, and Retirement Educators

Melinda Caughill – Medicare Speaker

Medicare decisions shape everything that comes next in retirement planning.

Yet most professionals, including financial advisors, attorneys, HR leaders, healthcare advocates and more, receive little training on how Medicare actually works in the real world.

Melinda Caughill helps audiences understand the rules, risks, and real-life consequences of Medicare decisions, translating a complex federal program into practical guidance people can actually use.

For more than 15 years, Melinda has worked at the intersection of Medicare policy, retirement planning, and consumer education. She is the Co-Founder of 65 Incorporated, creator of the i65 Medicare planning platform, and co-creator of HeyMOE, a software tool designed to help Medicare beneficiaries make better prescription coverage decisions.

Her work focuses on one central idea:

Medicare decisions are not just insurance decisions.
They are retirement planning decisions.

Melinda’s presentations combine deep subject-matter expertise with practical case studies and real-world examples that help audiences understand how Medicare rules affect the people they serve.

What Audiences Gain From Melinda’s medicare Sessions

Participants leave with practical insights they can immediately apply when helping clients navigate Medicare decisions.

After attending Melinda’s presentation, audiences typically understand:

• How Medicare enrollment rules interact with retirement timing and employer coverage
• The most common Medicare mistakes and how to prevent them
• How prescription drug coverage decisions can dramatically impact retirement costs
• How professionals can identify Medicare risks early and guide clients toward better outcomes
• Where Medicare rules create hidden planning opportunities

Popular Medicare Topics

• Medicare: The Elephant in the Retirement Planning Room
  Why Medicare decisions often shape retirement outcomes—and how professionals can help clients avoid expensive mistakes.
• Six Medicare Enrollment Mistakes That Cost Retirees Thousands
  The most common Medicare errors people make and how to prevent them before they become permanent.
• Medicare Decisions When Working Past 65
  How employer coverage, Medicare enrollment rules, and retirement timing interact—and where people most often get it wrong.
• Prescription Drug Coverage After the Inflation Reduction Act
  What recent Medicare changes mean for beneficiaries and the professionals advising them.

Audiences Melinda Speaks To:

• Financial advisors and retirement planners
• Healthcare advocates and patient navigators
• Professional associations
• Employer and retiree groups
• Legal and elder law professionals
• Anyone interested in learning more about Medicare

Her sessions are designed to be entertaining. Isn't Medicare boring or confusing enough?