Download Ebook Get What's Yours for Medicare: Maximize Your Coverage, Minimize Your Costs, by Philip Moeller
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Get What's Yours for Medicare: Maximize Your Coverage, Minimize Your Costs, by Philip Moeller
Download Ebook Get What's Yours for Medicare: Maximize Your Coverage, Minimize Your Costs, by Philip Moeller
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About the Author
Journalist Philip Moeller writes about retirement for Money and authors the Ask Phil Medicare column for PBS. He also is a Research Fellow at the Center on Aging & Work at Boston College and the founder of Insure.com, a leading site for insurance information.
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Product details
MP3 CD
Publisher: Brilliance Audio; Unabridged edition (October 4, 2016)
Language: English
ISBN-10: 1511364831
ISBN-13: 978-1511364836
Product Dimensions:
5.2 x 0.5 x 6.8 inches
Shipping Weight: 2.4 ounces (View shipping rates and policies)
Average Customer Review:
4.4 out of 5 stars
188 customer reviews
Amazon Best Sellers Rank:
#1,212,602 in Books (See Top 100 in Books)
From those wonderful people who brought you Get What's Yours For Social Security, (see my review) comes the companion volume on Medicare. Social Security handles Medicare registration, which sadly does not simplify the process, and often complicates it as we start those programs at different ages. The bizarre healthcare system, which is the biggest cause of personal bankruptcy in the USA, is not simplified by the act of turning 65 or retiring. The games just change. Hence the screaming need for this book. New games. New hurdles. New penalties. We all need to know what we’re getting into, and precious few of us do. Philip Moeller has plumbed the depths for us, and he’s not happy about all the entanglements he found. Here are some samples:-Medicare Part B has a 20% copay that is never satisfied. Patients with multiple appointments and procedures continually pay 20%. And 20% these days can bankrupt you by itself.-Only 25% purchase Medigap insurance to cover the copays.-COBRA does not delay the need to sign up for Medicare- Health Savings Account contributions must cease six months prior to Medicare enrollment-Although Social Security will send money anywhere in the world, Medicare is only available in the USA-The penalty for late registration of Part D (drugs) is 1% per month you are late – added to all your monthly payments for life.-On the other hand, if you take no drugs, you save nearly $1000 a year in the premiums and deductibles of Part D coverage.-Unlike original Medicare, private Medicare Advantage plans usually end at the state line. They are the same sort of network HMO plans we despise, and that many can’t wait to abandon for Medicare. But they are subsidized by Medicare ($10,000 per person) and so have smaller premiums than Medicare.-Even if they’ve dropped a drug from the formulary, plans are supposed to provide transitional fulfillment, and/or your doctor can apply for a continued supply.-All Part D plans provide free Meds Therapy Management for those with multiple conditions and prescriptions. This can help prevent meds battling each other or causing unintended new conditions.-If a provider tells you in advance you are not covered, you must ask them to file a claim with Medicare anyway. That puts you in the appeals process. If they don’t apply, you have nothing to appeal.-Only 1% of appeals come from beneficiaries. 99% come from providers. There is a separate track for beneficiaries that takes them to the head of the line.The endnotes in Get What’s Yours for Medicare are much more valuable than usual. They include deep links to the specific webpage where the form or information is available, stats that show how many people choose what plans, how much they spend and so on. They are a valuable tool themselves.There isn’t a person in the world who has a complete understanding of Medicare. This book is critical to having an overview of the paths, the pitfalls, and the misconceptions about the program. And fortunately, it is easy and engaging reading.David Wineberg
This is a good guide but must be used in conjunction with the Medicare.gov website to be truly effective. Since there are some many different situations, start here and then explore the website to reduce the clutter that gets in the way of a good decision. The charts are probably the most useful feature, for example, do you know what the difference is between Medigap Schedule F and Schedule G? There is a chart for this.In my situation, I started with this guide and then confirmed my understanding with the Medicare.gov website. You will have to do the same, The medicare website lets you drill down to your specific situation. I recommend cutting and pasting the clauses that apply to you and printing them as one document. For example, you may apply for initial benefits in the three months before...... etc. In this way, you can assemble all the rules that apply to you.The weakest point of the book is that is describes what is possible but doesn't place enough emphasis that by choosing some options you are falling into Special Enrollment Periods and that each SEP has its own enrollment windows. It really comes down to using the Medicare.gov website like a flowchart and drilling down. The .gov website is very well written, sometimes better than this guide.Again, this is worth the money and time to read it if you make the right decision. More information never hurts. Good luck to all!
Makes you understand just how intricate, daunting, and costly the Medicare system really is ... My mother died after a 21 month, $565,000 battle with ovarian cancer, and between her Medicare, and Medigap insurance, we as a family were able to stay financially intact ... After that, no one can say anything bad to me about Medicare, though there is a lot of waste, and fraud that should be checked ... Now at 66, I have it, with Plan G, thanking God that I can afford it, and that I live in America ... If you're a senior learn all you can about Medicare, can all you learn, but don't sit on the can ... SHARE WHAT YOU KNOW WITH OTHER OLDSTERS!
Medicare and retirement are one of the hardest choices in life. Right up there with marriage and job selection.This is a good read and informative however the author does everything he can to keep from making a recommendation. It is understandable that everyone has different situations. I would prefer he guide his readers by explaining the situations where certain choices were the best.
Informative... helpful as Medicare is a mess to navigate... so great info to keep you ahead of the game. (Not in the book, but my advice.. see your doctors within the year you will begin Medicare. Make sure they will take it. And if you haven't had an actual appt. get one before you start Medicare. If you haven't seen a particular doctor within 3 years you are considered a "new" patient. And most of the doctors will not take new Medicare patients!!). Good luck
I liked the book like this on Social Security, but now that I need to get information on Medicare--this just had too many stories for me to wade through. If you like examples, you'd like this book. I wanted more to-the-point guidance and facts. Not that this doesn't have them, it was just too hard for me to find it amongst the verbiage.I haven't found a book I really like on Medicare, but I've gotten more information out of Medicare for Dummies. That and just reading the Medicare website. Let's face it--our government would be hard pressed to find a system that is more convoluted and difficult to understand and work with. "Donut holes!" Really? One thing I keep finding more and more evidence for is that if something's a money maker for Big Pharma--it's covered. If it's a healthier version--it isn't.
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