The Complete Medicare Guide, First Edition

Medicare in plain English. Short sentences. Real examples. The Complete Medicare Guide, First Edition by Sam Silva (Principal, EZ Access Insurance) is an 84-page (in print) large-print, step-by-step guide for people who are new to Medicare, helping a parent or spouse, or puzzled by a letter in the mail. What is inside • Original Medicare, Parts A, B, C and D. What each part does and what it does not cover. • Medicare Advantage or Medigap? Side-by-side tables, so you can compare before you choose. • Medigap guaranteed-issue and trial rights. Federal and state rules, including the 12-month trial right (the 12-month "try it and return" window) with a timeline and an example. • When to enroll. Enrollment windows and calendars, so you do not miss a deadline. • Costs, penalties and IRMAA. What you pay and when it can go up. • Medicaid vs. Medicaid long-term care. How they differ, plus the Medicare Savings Programs that can help pay Medicare costs. • New York and Florida information side by side, because state rules differ. • 2027 as the financial reference year. Where 2027 amounts are not yet published, the book shows the official 2026 amounts and labels them clearly. • Wills and trusts. Estate planning basics: how wills and trusts work and why your documents matter. • Extra insurance options. Dental, vision, hearing, hospital indemnity, cancer, life and final expense policies, and what each one does. • HSA, HRA, FSA and MSA. How these health accounts relate to Medicare. • Social Security timing, working past 65 and other coverage. • 84 pages in print, in large, easy-to-read type. Worked examples and checklists • Worked examples with the math shown, so you can follow every step. • Checklists and worksheets for your medications, doctors and questions. • Questions to ask before you choose any plan or adviser. • A glossary of plain-English definitions and a phone-number list. Who this book is for • People turning 65, or a few years away. • Adult children and spouses who help with Medicare decisions. • Anyone comparing Medicare Advantage and Medigap. • Anyone who wants clear answers without insurance jargon. Updates Medicare numbers change every year. Each table in the book has a year label and a QR code. Scan the code, or visit ezaccessinsurance.com/medicare-books, for current Medicare rates and annual updates.