medicare without worry

While there are many elements to retirement, the most important is Medicare. As Certified Financial Planner, I evaluate the many pieces of a retirement plan. The most valuable? Medicare.

Many think it’s Social Security (options now limited and deferring gets only small amounts more), or Investment planning (markets are uncertain). Nope: healthcare cost control is the vital starting point.
That means: Medicare.

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Elder Law Attorneys Trust Me…With Their Mother

“Professionally, I advise clients about their rights under the various Medicare programs. Even with all of this knowledge and experience, when it came time to straighten out coverages for my mother, I thankfully turned to Jae. His practical expertise understanding the system and how to effectively navigate it is unparalleled.”

Sanford J. Mall, JD, CELA, CAP
VA Accredited Attorney

*Certified as an Elder Law Attorney
by the National Elder Law Foundation
Member of Council of Advanced Practitioners
National Academy of Elder Law Attorneys

About Me

Jae W. Oh, MBA, CFP®, CLU® ChFC® is the Managing Principal of GH2 Benefits, LLC. He is a Certified Financial Planner, Chartered Life Underwriter, a Chartered Financial Consultant, and a licensed insurance producer in multiple states. He is the author of Maximize Your Medicare (Allworth Press).  nationally-recognized Medicare expert, frequently quoted in the national media, including,, Fox Radio News and expert contributor to

GH2 Benefits is a full provider of the widest range of financial products and services. Mr. Oh has served in management roles in securities markets on three continents.
He has a Master’s Degree in Business Administration (MBA) with concentrations in Accounting and Finance from the University of Chicago, and a Bachelors of Arts (BA) degree in Economics and Political Science from the University of Michigan, Ann Arbor.

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Why Is Medicare Difficult?


lots of rules


Medicare rules are confusing, yes.
Enrollment periods, permanent late enrollment penalties, some of what you may have heard is true.

We’ll keep your head above water, so that you don’t drown in the details.

There are going to be 30+ Medicare Advantage plans, 30+ Part D plans, and 20+ Medigap carriers in most locations.

Some locations have extra rights and options to enroll or change Medigap plans. You cannot simply call your friend, located in another state or county, to compare notes, because the same plans may not exist, the same prices may not exist. 

so many choices




START EARLY. You gain nothing by delaying.

You don’t get extra benefits, you don’t get better prices. You are inviting extra stress due to the fact there are other parties (government, carriers) involved.


DON’T DO IT YOURSELF. The public doesn’t get complete access to the best prices easily. There are nuances in the benefits that you may not recognize. And, if there is a problem, I will navigate, shepherd you to a resolution.

my book

Maximize Your Medicare
(2020, Allworth Press)
Official website:

Experts Agree:

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What I Will Do

I’ll get to know you and simply listen.

Your household situation, your health issues, your financial condition.

I’ll get to know your priorities, I will have full command of the options and timelines that fit your situation.


Explain the options until you are comfortable.

It can take an hour, it can take 10 hours, doesn’t matter.

You can ask me anything, and I will let you know if you should’ve asked me something that you have missed.

I’ll guide you across the finish line.

Sometimes, there are unforeseen situations, like red tape gets in the way.

After enrollment, you can also continue to ask anything, and we can revisit the options so that you get the most for your money.

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watch on youtube


Please spread the word :)