Maximize Your Medicare explains:
*What Medicare is
*How/when to enroll
*Your rights and options when you become eligible for Medicare
*The characteristics of Medicare Advantage and Medigap plans
*How private plans (group, Medicare Advantage, Medigap) interact with Medicare
*How prescription drug benefits work under Medicare Part D
*The strengths and weakness of these plans
Getting old is scary for everyone. Your parents get old, and you watch them slowly deteriorate. Sometimes it is their bodies. Sometimes it is their minds. Sometimes, it is both. Proud people become less confident. I vehemently object to the idea of making the situation WORSE by referring to Medicare-eligible people as "Clueless," "Idiots," or "Dummies." It is insulting and degrading, at the wrong time, to the wrong people. It goes to show how our respect for each other has been mocked and ridiculed.
Unfortunately, the system around them isn't easy. It isn't going to get easier. Leave your politics at the doorstep: there is no political solution to the fact that the average age of the population is increasing. Period.
The fiscal and economic backdrops are not easy. I don't believe in "coulda, woulda, shoulda." If you took a particular angle on this issue as it relates to healthcare costs, I can EASILY debate the issue from the other angle, and to a stalemate. EASILY.
What I can do, what I have done here, is reduce the confusion. Sometimes we don't know where the confusion originates. The book sorts this out. Sometimes the retiree misunderstands. Sometimes the retiree is misinformed. As above, I am not trying to assess systematic blame. Maximize Your Medicare is for finding solutions, and for empowering seniors or those that care for them, a path to finding those solutions for yourself. Maybe finding the answer is not possible alone: then you require assistance. If this is the case, then Maximize Your Medicare is written so that you ask the right questions.
The examples called "This Happens" are not fiction. They are real. There are almost 20 of them in the book. They have occurred. I could tell you their names. I won't, out of respect for them. I am 100% certain these situations will occur again. 100%. Informed correctly, a person eligible for Medicare CAN make a choice that suits their personal situation best. I am not here to prioritize it for you. That is up to your health, financial, and personal situation.
Maybe Maximize Your Medicare is just a small contribution in helping our aging society do so with more grace and dignity. That is why I wrote this book. Hopefully.
The ebook is updated with current premiums, copays, and coinsurance for Medicare Part A and Part B for 2013 as announced by the Centers for Medicare & Medicaid Services (CMS).
All statements in this book are solely the informed opinion of the author. The advice in this book does not represent financial or investment advice, nor does it constitute an offer of any financial instrument, including, but not limited to, insurance. The opinions expressed in the book are not associated, affiliated, or endorsed by the Centers for Medicare and Medicaid Services (CMS).
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