Medicare Decoded: Help That Doesn’t Sell You Anything (Everything They Should Have Told You at 64 ¾)

This book is for people turning 65 (and the adult children helping them) who want to make the right Medicare decisions the first time, without getting sold anything.

Get one Medicare deadline wrong and you don’t pay for it once. You pay every month for the rest of your life. Miss your Part B window and your premium can rise permanently. Assume COBRA “counts” and you can face a massive bill. At 65, a simple mistake becomes a lifelong tax on your retirement.

Medicare Decoded is the plain-English guide that finally explains what you actually need to know. No insurance agent. No commissions. No sales pitch. Just clear answers so you can choose correctly the first time.

Inside you will learn how to:

Understand Parts A, B, C, and D without the jargon Compare Medigap vs Medicare Advantage with real numbers and no sales spin Avoid IRMAA surcharges and permanent late-enrollment penalties Handle working past 65, COBRA, HSAs, and special situations Navigate enrollment deadlines, appeals, drug coverage, and common traps Use a practical first-year action plan so nothing important gets missed This book was stress-tested by real enrollees, caregivers, a CPA, a high-income retiree, a federal employee, a widow, and a longtime Medicare counselor. Every gap they found was fixed.

It is designed to be used, not shelved, large 8.5 x 11 format so it lays flat on your table, easy to share with family, and built to stay current with simple annual updates.

If you are turning 65, helping a parent, or still working and trying to time Medicare correctly, this is the honest, no-sales guide that answers the questions straight.

Help that doesn’t sell you anything.