Читать книгу Medicare For Dummies - Barry Patricia, Patricia Barry - Страница 3

1  Cover

2  Title Page

3  Copyright Page

4  Introduction About This Book Foolish Assumptions Icons Used in This Book Beyond the Book Where to Go from Here

5  Part 1: Getting Started with Medicare Chapter 1: The Nuts and Bolts of Medicare: What It Is and How It Works Addressing Some Upfront Questions Coming to Terms with the ABCs (and D) of Medicare Recognizing That You Have Choices and Must Make Timely Decisions Chapter 2: Spelling Out What Medicare Covers (A Lot, but Not Everything) Understanding What Part A and Part B Cover Knowing What Part D Covers The Gaps: Discovering What Medicare Doesn’t Cover Distinguishing When Coverage Comes with Limits Chapter 3: Understanding What You Pay Toward Your Costs in Medicare Boning Up on Premiums, Deductibles, and Co-payments Paying Higher-Income Premiums Paying Different Premiums than Other People in Certain Years Paying Medicare Taxes While Receiving Medicare Benefits Chapter 4: Reducing Your Out-of-Pocket Expenses in Medicare Purchasing Medigap Insurance Qualifying for Help from Your State Examining Whether Extra Help Can Lower Your Drug Costs Considering Other Ways to Cut Costs

6  Part 2: The Hows and Whens of Medicare Chapter 5: Qualifying for Medicare Hitting the Milestone of Age 65 Qualifying for Medicare under Age 65 on the Basis of Disability Falling through the Cracks: Health-Care Options if You Can’t Get Medicare Yet Chapter 6: Enrolling in Medicare at the Right Time for You At a Glance: Surveying Situations That Affect Enrollment Timing Understanding Your Initial Enrollment Period Delaying Part B if You’ll Qualify for a Special Enrollment Period Later Enrolling in Other Specific Situations Deciding Whether and When to Sign Up for Part D Drug Coverage Understanding the Consequences of Not Signing Up at the Right Time Chapter 7: Discovering How to Sign Up for Medicare Being Automatically Enrolled in Medicare Parts A and B Sign Me Up! Applying for Medicare Parts A and B Opting Out of or Disenrolling from Part A or Part B Knowing When Your Coverage Begins Transitioning from Obamacare to Medicare Chapter 8: Understanding How Medicare Fits In with Other Health Insurance Understanding Medicare’s Coordination of Benefits System Seeing How Medicare Works with an Employer’s Health Insurance Plan Figuring Out How Other Federal Health Benefits Fit In with Medicare Mixing Medicare with Workers’ Comp or No-Fault or Liability Insurance

7  Part 3: Making Smart Choices among Medicare’s Many Options Chapter 9: Making Sense of Medicare’s Many Options Seeing the Big Picture: Your Starting Point to Navigating the Medicare Maze Digging into the Details of Traditional Medicare versus Medicare Advantage Discovering How Medigap Policies Differ from Medicare Advantage Plans Chapter 10: Choosing Wisely If You Go with Traditional Medicare Understanding the Need to Compare Part D Plans Carefully Picking the Part D Plan That’s Best for You Choosing the Medigap Supplemental Policy That’s Best for You Chapter 11: Making Smart Choices If You Opt for Medicare Advantage Comparing Medicare Advantage Plans Choosing the Medicare Advantage Plan That’s Right for You Chapter 12: Getting Help in Making Medicare Choices One on One: Getting Personal Help on Medicare Issues Buyer Beware! Avoiding Scams and Hard-Sell Marketing

8  Part 4: Navigating Medicare from the Inside Chapter 13: Starting Out as a New Medicare Beneficiary Playing Your Cards Right Beyond the Cards: Checking Out the Extent and Limits of Your Coverage Managing Premiums Keeping Track of Your Expenses Dealing with Doctors Filling Prescriptions for the First Time with a Part D Plan Chapter 14: Getting the Inside Scoop on Using Certain Medicare Benefits Taking a Closer Look at Part A Zooming In on Part B Delving into Part D Chapter 15: Changing Your Medicare and Medigap Coverage Switching Coverage during Open Enrollment or Disenrollment Taking Advantage of Special Enrollment Periods Dropping a Plan (Or Being Dropped) Deciding Whether to Stay or Switch to Another Plan for Next Year Changing to Another Medigap Policy Chapter 16: Knowing Your Rights Understanding Your Right to Accurate Information Asking for an Investigation Taking Steps toward an Appeal Filing a Formal Appeal

9  Part 5: The Part of Tens Chapter 17: Top Ten Medicare Mistakes Thinking You Must Reach Full Retirement Age before Signing Up Assuming You Don’t Qualify If You Haven’t Worked Long Enough Failing to Enroll in Part B When You Should Believing You Don’t Need Part B If You Have Retiree or COBRA Coverage Not Signing Up for Part D Because You Don’t Use Prescription Drugs Picking a Part D Drug Plan for the Wrong Reasons Misunderstanding Enrollment Periods Being Too Late to Buy Medigap with Full Protections Failing to Read Your Annual Notice of Change Not Realizing You May Qualify for Help to Lower Your Costs Chapter 18: Ten Ways to Stay Healthier beyond Age 65 Taking Action to Avoid Falls Exercising Regularly Quitting Smoking Eating Healthfully Cutting Out Soft Drinks and Extra Sugar Keeping an Eye on Prescription Drugs Continuing to Work or Stay Active Staying Connected and Engaged Keeping Your Brain in Shape Addressing Tough Choices before They’re Necessary

10  Part 6: Appendixes Appendix A: Sources of Help and Information Government Help Lines and Websites Independent Sources of Direct Help Resources for Saving Money Consumer Information and Advocacy Organizations Sources for Updates on Medicare Appendix B: Glossary

11  Index

12  About the Author

13  Advertisement Page

14  Connect with Dummies

15  End User License Agreement