{ "item_title" : "Medicare Before You Decide", "item_author" : [" Meredith Venslow "], "item_description" : "What if one Medicare decision today could cost you thousands of dollars, disrupt your medical care, or leave you wishing you had asked the right questions before it was too late?Turning 65 should be a milestone worth celebrating, not a time filled with anxiety over confusing insurance options, unexpected medical bills, and decisions that may be difficult to reverse.Should you enroll now or wait until retirement? Is Original Medicare or Medicare Advantage right for you? Will your trusted doctors still be available? And how can you recognize costly coverage gaps before they become your problem?You deserve clear answers before making decisions that affect your health, finances, and peace of mind.In Medicare Before You Decide, Meredith Venslow cuts through the confusion with a practical, step-by-step approach to navigating Medicare's most important choices. Through realistic examples, straightforward explanations, and useful comparisons, you'll learn what to examine, what to question, and what to verify before committing to coverage.Inside this practical guide, you'll discover how to: Avoid costly enrollment mistakes: Understand important deadlines, late-enrollment penalties, and special enrollment situations.Choose your coverage path wisely: Compare Original Medicare, Medicare Advantage, and Medigap without relying on misleading assumptions.Keep access to the care you trust: Learn how to verify doctors, hospitals, specialists, provider networks, and referral requirements.Prevent prescription surprises: Examine drug formularies, pharmacy restrictions, and potential medication expenses.Understand what Medicare really costs: Look beyond monthly premiums to deductibles, copayments, coinsurance, and possible out-of-pocket expenses.Navigate retirement transitions: Understand employer insurance, Health Savings Accounts, and income-related Medicare premium adjustments.Protect your future options: Discover why changing coverage later may involve restrictions and how to investigate your switching rights.Plus: 6 Practical Decision Resources Included!Go beyond general explanations with six valuable reference tools covering enrollment planning, healthcare expense comparisons, doctor and prescription verification, IRMAA considerations, annual reviews, and coverage-switching rights.Each resource includes completed examples to help you understand the process without confusing worksheets or additional downloads.Who Is This Book For?Whether you're approaching 65, planning retirement, continuing to work past 65, reviewing your current Medicare arrangements, or helping a parent or spouse make an important healthcare decision, this guide gives you a clearer way to evaluate the options.Your healthcare deserves more than guesswork. Your retirement deserves more than unexpected financial surprises.You cannot predict every future medical need, but you can make better-informed decisions today.Scroll up and click the Buy Now button to take the next step toward understanding your Medicare options and making decisions with greater confidence.", "item_img_path" : "https://covers3.booksamillion.com/covers/bam/9/79/816/670/9798166706218_b.jpg", "price_data" : { "retail_price" : "19.99", "online_price" : "19.99", "our_price" : "19.99", "club_price" : "19.99", "savings_pct" : "0", "savings_amt" : "0.00", "club_savings_pct" : "0", "club_savings_amt" : "0.00", "discount_pct" : "10", "store_price" : "" } }

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