Author Description

A NEW Book explaining Medicare INCLUDING 2013 cost sharing details. Real information and advice you can USE in plain-spoken English. Included: real-life examples, called "This Happens." This book is not a glorified advertisement like you may have received in the mail or seen on TV. In fact, it is written to distinguish differences, and point out what those advertisements don't fully explain. 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 Medicare is frequently misunderstood for many reasons: confusing dates, perplexing rules, annoying advertisements. Maximize Your Medicare is intended to address these misunderstandings, so you can choose the right option for yourself. What you select will depend on the complicated combination of your medical situation, financial resources, family situation, and in the end, your mental outlook. Maximize Your Medicare includes examples of real-life cases, which may be similar to the situation that you may face. The bottom line: you are not alone and the situation you face may be similar to the situation that others have faced, are facing, and will face in the future. It is NOT ENOUGH to simply know the basics of Medicare. The fine print, and changing situation can mean the difference between saving money, or paying out-of-pocket expenses, that may have been completely unnecessary, if you had the correct information. The analogy: just because you know how chess pieces move, that doesn't make you a grandmaster. The same can be said about Medicare. Maximize Your Medicare offers tips on how to get extra benefits and shows you benefits that you may not have known existed. The book FULLY explains why your out-of-pocket expenses may be higher than you expected, and what to do to avoid them. In addition, there are special sections which describe some special groups of beneficiaries, from veterans to governmental employees to the seriously ill. Special attention is devoted to those that are part of employer-sponsored group plans. The ebook will be updated with premiums, copays, and coinsurance for Medicare Part A and Part B for 2013 when announced by the Centers for Medicare & Medicaid Services (CMS). The website maximizeyourmedicare.com provides the table of contents, a preview, cost sharing tables of original Medicare (Part A, Part B, and Part D), and information about the author. Disclaimer 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).