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Medicare For Dummies (For Dummies (Lifestyle)) Paperback – June 20, 2016
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From the Back Cover
- Expert advice to navigate the Medicare maze
- Explanations of how and when to enroll
- Tips to avoid costly mistakes
Get up to speed on Medicare
It's time for you (or a loved one) to enroll in Medicare, but Medicare is a maze. You must choose among many options to pick the one that's best for you. To do that, you need accurate information that helps you steer clear of bad advice and costly pitfalls. Medicare For Dummies is the practical guide you need to navigate Medicare successfully and get the best of the system. It also explains how Medicare fits in with other health insurance you may have.
- When you should sign up
- A clear explanation of how Medicare works
- How you qualify
- What Medicare covers and costs
- The myriad options available
- How to choose a Part D plan
- How Medicare works with other healthcare benefits
About the Author
Patricia Barry is features editor of AARP Media as well its online "Ms. Medicare" columnist. A recognized authority on Medicare and Medicare Part D prescription drug coverage who has written extensively for consumers, Patricia has answered thousands of questions sent by Medicare beneficiaries across the nation.
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One of the more daunting programs, even before all the recent notoriety of ObamaCare, is Medicare. Not to worry. Patricia Barry's book explains the program in lucid, organized prose, separating the essentials from the less relevant information, and in a manner that enables the reader to make the choices that will ensure the best care at the most affordable price--including the distressful situations we may have witnessed in our parents without applying them to our own lives--until now.
Of most help to me was the explanation of Part D, which prepares anyone who has used, or possibly will be prescribed, expensive medications for, say, a cholesterol problem or an even more serious condition. Here's where the most choices are to be made. Is the cheapest plan necessarily the best bet? Is the most highly rated plan necessarily the one to select? And what about plans that offer two "slightly" different options at "substantially" different prices? How should you go about selecting between the two? And with respect to any of the plans, are they irrevocable or can the individual who is now eligible for Medicare change his or her mind and select a different plan? If so, when can the decision be made? How often? Can I change my mind a 2nd, 3rd, 4th time, possibly returning to the plan I started with?
Barry's book enabled me not only to distinguish between the forest and the trees but to toss several stacks of information that I had previously torn out of magazines and/or downloaded from the internet. For the present, it's the only book you'll need about Medicaare--at once reducing some of the clutter and setting your mind at rest about all of those saved articles you had "intended" to read (just be careful not to do the same with this book!)
One thing that blows my mind: when you sign up for Medicare, you may have to pay premiums based on what you earned two years prior! Which may bear little relation to your current, far lower, fixed income! The author advises what to do about that, and I plan to try it!