Save Thousands On Your Medicare Supplement

The critics are saying: "Don't make decisions about your Medicare coverage without reading this book!" #1 Best Selling Book in Less than 48-Hours After Reading This Book, You Will: ⚠ Know what Medicare pitfalls exist and how to expertly avoid them ⚠ Be ready to make the major Medicare decisions ⚠ Be knowledgeable on the costly penalties and how to steer clear Who This Book is For: ✓ New to Medicare - This book will help anyone approaching Medicare eligibility at age 65 who needs to learn the basics and is afraid of making a mistake that will result in penalties or inadequate healthcare coverage ✓ Retiring after 65 - Perhaps you have worked past age 65 and maintained employer coverage but now you are retiring and want to successfully transition from group health insurance cover to Medicare as your primary coverage. This book will show you the exact steps to take while also sidestepping unexpected (and often undeserved) late enrollment penalties. ✓ Beneficiaries Facing Indecision - Get this book if It's time for you to make a choice between a Medigap plan (Medicare supplement) and Medicare Advantage but you find yourself torn and aren't sure which route would be a better fit for you. ✓ Confused by Election Periods - Are all the various Medicare election periods making your head spin? This book carefully explains what changes and plan selections you can make during the various election periods and more importantly, what those election periods WON'T give you that you probably expect. ✓ Adult Children and Caregivers - If you find yourself in a situation where you need to help your parents make Medicare coverage decisions but have no idea how Medicare works, this book will be immensely helpful to you. Every year thousands of seniors make big mistakes during their Medicare enrollment that can result in expensive penalties and untold hours of hassle and headaches. While some of these mistakes are fixable, others can affect you for the rest of your life. In 10 Costly Medicare Mistakes, Medicare expert Danielle K. Roberts exposes the most common pitfalls that new to Medicare beneficiaries unwittingly make and shares how to expertly avoid them. As a Medicare expert and co-founder at Boomer Benefits, Danielle has spent the last 15 years helping thousands of Medicare beneficiaries learn how to navigate their entry into Medicare. Her goal has always been to make the entry into Medicare and enrollment process easier for ordinary Americans. This is no small task as most Americans spend their entire working lives having their healthcare plans chosen for them by their employers. Now suddenly they have to try to make sense of a huge national healthcare program that has 4 parts, 10 supplements, and thousands of plan options. To make matters worse, Medicare beneficiaries who get it wrong up front can find themselves paying penalties they don't deserve and being trapped in plans that don't fit their needs, lifestyle, or budget. In 10 Costly Medicare Mistakes, Danielle guides new beneficiaries through the key decisions they'll need to make at the beginning of their journey while also helping them expertly avoid the most common and costly mistakes that new beneficiaries often make.

Named the 2019 Investment and Retirement Planning "Book of the Year" by the Institute for Financial Literacy It’s never too late to start planning for retirement You Don’t Have to Drive an Uber in Retirement is a survival guide for your golden years, and a lifeline for those entering the Retirement Crisis unprepared. Roughly 45 percent of Americans have zero dollars saved for retirement—but the average retiree will spend $154,000 in out-of-pocket health care costs alone. We need to figure out how to generate more income, even in retirement, and spend less. How do we boost our retirement income? Is investing the way to go? How much do we need, anyway? This book does more than just answer the important questions—it gives you real-world tips to help you reach your financial goals. Yes, it is possible to increase your income in or as you approach retirement. These guidelines will help you optimize your assets and put away more money for the years you’ll need it most. Planning for retirement does not mean holding off on fun today; there are many ways the average American can reduce everyday costs of living without living like a pauper. This book will help you take stock of what you have and what you’ll need, and show you how to bridge the gap. Maximize your savings while minimizing the lifestyle impact Unique ways for generating a meaningful amount of income, that don’t require you to get a job Learn just how much you’ll need for a comfortable retirement Adopt new everyday strategies that will help you bolster your funds Add new income streams, optimize your portfolio, and learn to spend less without living less—these are the key factors in making your golden years truly golden. You Don’t Have to Drive an Uber in Retirement is an important resource and insightful guide for those hoping to one day leave the workforce—in comfort.

Smart strategies for taking control of your money from bestselling author and personal finance expert Terry Savage—the new, fully updated third edition. The Savage Truths on Money are time-tested, but new technologies and techniques make it easier and more profitable to make your money work for you! Now, financial success can be achieved simply and automatically through new apps, tools, and access to low-cost money management tools and advice. Living in financial security—not constantly worrying about education costs, medical bills, or having enough money saved for retirement—is within anyone’s reach. In this new edition of The Savage Truth on Money, author Terry Savage shares the time-tested truths of financial security, guides you on redirecting your finances, and helps you create a financial plan for your future—using all the resources of technology, the best people in the financial planning industry, and your own informed judgment. This must-have resource is a roadmap for navigating today’s economic reality on the way to your best possible financial future. This invaluable guide will help you: Take responsibility for your own financial future, using technology to improve your financial decision-making Control your spending and deal with debt, protect your assets, and grow your savings Learn the basic truths about money, markets, and human emotions—and how to use that knowledge to your advantage Find financial advisors you can trust—fiduciaries who will put your interests first, and save you money on costs Make a realistic plan for college without being buried in debt—and deal with existing student loans Create—and reach—retirement goals that allow you to enjoy your financial success Whether you're just starting out and unsure of your next steps, or you’re worried about how you'll manage your investments and plan your retirement, the third edition of The Savage Truth on Money is your one-stop guide for taking control of your finances today and reaping the benefits tomorrow.

To provide effective service in helping clients understand how they are goingto be affected by health care reform and how to obtain coverage, pursue anappeal, or plan for long-term care or retirement, you need the latest Medicareguidelines from a source you can trust - the 2013 Edition ofMedicare Handbook .Prepared by experts from the Center for Medicare Advocacy, Inc.,Medicare Handbook covers the issues you need to provide effectiveplanning advice or advocacy services, including:Medicare eligibility and enrollmentMedicare-covered services, deductibles, and co-paymentsCo-insurance, premiums, and penaltiesFederal coordinated care issuesGrievance and appeals proceduresFace-to-face encounter requirements for home health and hospice careMedicare Handbook also provides you with coverage rules for:Obtaining Medicare-covered servicesPrescription drug benefit and the Low-Income Subsidy (LIS)The Medicare Advantage ProgramDurable Medical Equipment (DME)Preventive servicesAppealing coverage denialsand an understanding of:The Medicare Secondary Payer Program (MSP)The Durable Medical Equipment, Prosthetics, Orthotics, and Supplies (DMEPOS)Competitive Acquisition ProgramIncome-related premiums for Parts B and DThe 2013 Edition has been updated to include information andstrategies necessary to incorporate ACA provisions on behalf of people in needof health care.In addition, the 2013 Medicare Handbook will also help advocatescontest limited coverage under private Medicare Part C plans (MedicareAdvantage) and understand initiatives to reduce overpayments to MedicareAdvantage.Other Medicare developments discussed in the 2013 Medicare Handbookinclude:Implementation of important provisions of the Affordable Care ActBeneficiary rights, when moving from one care setting to anotherDevelopments in the Medicare Home Health and Hospice BenefitsAdditional information regarding preventive benefitsContinued changes in Medicare coverage for durable medical equipment

To provide effective service in helping clients understand how they are going to be affected by health care reform and how to obtain coverage, pursue an appeal, or plan for long-term care or retirement, you need the most current information from a source you can trust - Medicare Handbook. This is the indispensable resource for clarifying Medicare's confusing rules and regulations. Prepared by an outstanding team of experts from the Center for Medicare Advocacy, Inc., it addresses issues you need to master to provide effective planning advice or advocacy services, including: Medicare eligibility rules and enrollment requirements; Medicare covered services, deductibles, and co-payments; coinsurance, premiums, penalties; coverage criteria for each of the programs; problem areas of concern for the advocate; grievance and appeals procedures. The 2016 Edition of Medicare Handbook offers expert guidance on: Health Care Reform Prescription Drug Coverage Enrollment and Eligibility Medigap Coverage Medicare Secondary Payer Issues Grievance and Appeals Home Health Care Managed Care Plans Hospice Care And more! In addition, Medicare Handbook will help resolve the kinds of questions that arise on a regular basis, such as: How do I appeal a denial of services? What steps do I need to take in order to receive Medicare covered home health care? What are the elements of Medicare's appeal process for the denial of coverage of an item, service, or procedure? Does my state have to help me enroll in Medicare so that I can get assistance through a Medicare Savings Program? When should I sign up for a Medigap plan? If I am on Medicare, do I have to buy health insurance in the insurance marketplace created by the Affordable Care Act? Is it true that I have to show medical improvement in order to get nursing and therapy services for my chronic condition? And more! The 2016 Medicare Handbook is the indispensable resource that provides: Extensive discussion and examples of how Medicare rules apply in the real world Case citations, checklists, worksheets, and other practice tools to help in obtaining coverage for clients, while minimizing research and drafting time Practice pointers and cautionary notes regarding coverage and eligibility questions where advocacy problems arise, and those areas in which coverage has been reduced or denied And more!

To provide effective service in helping clients understand how they are going to be affected by health care reform and how to obtain coverage, pursue an appeal, or plan for long-term care or retirement, you need the most current information from a source you can trust - Medicare Handbook. This is the indispensable resource for clarifying Medicare's confusing rules and regulations. Prepared by an outstanding team of experts from the Center for Medicare Advocacy, Inc., it addresses issues you need to master to provide effective planning advice or advocacy services, including: Medicare eligibility rules and enrollment requirements; Medicare covered services, deductibles, and co-payments; coinsurance, premiums, penalties; coverage criteria for each of the programs; problem areas of concern for the advocate; grievance and appeals procedures. The 2017 Edition of Medicare Handbook offers expert guidance on: Health Care Reform Prescription Drug Coverage Enrollment and Eligibility Medigap Coverage Medicare Secondary Payer Issues Grievance and Appeals Home Health Care Managed Care Plans Hospice Care And more! In addition, Medicare Handbook will help resolve the kinds of questions that arise on a regular basis, such as: How do I appeal a denial of services? What steps do I need to take in order to receive Medicare covered home health care? What are the elements of Medicare's appeal process for the denial of coverage of an item, service, or procedure? Does my state have to help me enroll in Medicare so that I can get assistance through a Medicare Savings Program? When should I sign up for a Medigap plan? If I am on Medicare, do I have to buy health insurance in the insurance marketplace created by the Affordable Care Act? Is it true that I have to show medical improvement in order to get nursing and therapy services for my chronic condition? And more! The 2017 Medicare Handbook is the indispensable resource that provides: Extensive discussion and examples of how Medicare rules apply in the real world Case citations, checklists, worksheets, and other practice tools to help in obtaining coverage for clients, while minimizing research and drafting time Practice pointers and cautionary notes regarding coverage and eligibility questions where advocacy problems arise, and those areas in which coverage has been reduced or denied And more!