get whats yours for medicare maximize your coverage minimize your costs the get whats yours series

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Get What S Yours For Medicare

Author : Philip Moeller
ISBN : 9781501124013
Genre : Business & Economics
File Size : 69. 70 MB
Format : PDF
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A coauthor of the New York Times bestselling guide to Social Security Get What’s Yours authors an essential companion to explain Medicare, the nation’s other major benefit for older Americans. Learn how to maximize your health coverage and save money. Social Security provides the bulk of most retirees’ income and Medicare guarantees them affordable health insurance. But few people know what Medicare covers and what it doesn’t, what it costs, and when to sign up. Nor do they understand which parts of Medicare are provided by the government and how these work with private insurance plans—Medicare Advantage, drug insurance, and Medicare supplement insurance. Do you understand Medicare’s parts A, B, C, D? Which Part D drug plan is right and how do you decide? Which is better, Medigap or Medicare Advantage? What do you do if Medicare denies payment for a procedure that your doctor says you need? How do you navigate the appeals process for denied claims? If you’re still working or have a retiree health plan, how do those benefits work with Medicare? Do you know about the annual enrollment period for Medicare, or about lifetime penalties for late enrollment, or any number of other key Medicare rules? Health costs are the biggest unknown expense for older Americans, who are turning sixty-five at the rate of 10,000 a day. Understanding and navigating Medicare is the best way to save health care dollars and use them wisely. In Get What’s Yours for Medicare, retirement expert Philip Moeller explains how to understand all these important choices and make the right decisions for your health and wealth now—and for the future.

Get What S Yours

Author : Laurence J. Kotlikoff
ISBN : 9781476772295
Genre : Business & Economics
File Size : 26. 55 MB
Format : PDF
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Helps those nearing retirement make the best decisions about their Social Security benefits by detailing techniques and options like “file and suspend” and “start stop start” to maximize their benefit income for a variety of different life situations.

Maximize Your Medicare 2017 Edition

Author :
ISBN : 9780996798747
Genre : Business & Economics
File Size : 90. 44 MB
Format : PDF, Mobi
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Maximize Your Medicare (2017 Edition) Now Available Medicare is the cornerstone of retirement planning in the United States. The reason is simple: healthcare costs, as people age, represent the single largest threat to a person’s financial and personal well-being. It affects more than a single person. Family members and those that support the individual are all inevitably affected. The circle of people affected is much wider than that (spouses, adult-age children, advisors, caregivers, healthcare professionals, etc). Virtually every adult in the U.S. is affected by Medicare. The Rules Are Complicated The reason that people misunderstand Medicare is that while the language looks the same as other health insurance, but it actually works differently, in important ways. Enrollment eligibility Late enrollment penalties Separate health and prescription drug components Financial assistance at federal and state levels Special enrollment exceptions Maximize Your Medicare is written so that consumers understand the wide variety of choices they have, and when. Maximize Your Medicare also points out the pitfalls that one can avoid, if and only if the consumer understands the rules correctly. Health insurance is ultimately a financial contract, and Medicare is a very specific type of health insurance. While intimidating and confusing to many, Medicare’s rules largely favor the consumer, as long as the consumer fully understands those rules. Selection is Complicated There are a wide variety of choices available, and some of those choices change every year. Maximize Your Medicare clarifies the key differences among the choices, in language that everyone can understand. The beauty of Medicare is that it does not discriminate: every person has the exact same rights and options when first turning 65 years old. That does not mean that every person will choose the same path. The number of combinations that can influence “what is best for you” is too large to count. Here is a very short, and incomplete list of some of the factors facing all consumers. Financial resources Personal / family health history Prescriptions required Healthcare provider access Maximize Your Medicare provides real-life examples, called “This Happens,” which highlight both the mistakes that people have made in the past, and the fortunate outcomes when the consumer considers his/her situation thoroughly. The Rules Are Not Enough Maximize Your Medicare distinguishes itself by attaching common sense exercised by everyone, everyday. There are 57 million Medicare beneficiaries, and approximately 10,000 turn 65 every day, something that will continue for the next two decades. While it may be convenient for others to claim that they can “fix” or “improve” Medicare, the demographic and fiscal reality is that this single issue will be on the top of the national agenda. While convenient to “find someone else to blame” for the lack of complete information available, Maximize Your Medicare is written so that the consumer (and those around him/her) can deal with Medicare in a practical, well-reasoned way. Maximize Your Medicare is written with the idea that every stakeholder (the Medicare consumer, physician, hospital, pharmaceutical, attorney, etc) is acting rationally, within the rules that they must follow. Maximize Your Medicare is a guide to help consumers, within those same set of complex rules.

Get What S Yours Revised Updated

Author : Laurence J. Kotlikoff
ISBN : 9781501144769
Genre : Business & Economics
File Size : 55. 77 MB
Format : PDF, Docs
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"In 2016, Social Security rules changed radically. Do you know how - and how these changes might apply to you? Americans have left literally billions of Social Security dollars on the table - benefits we have earned, are eligible to take, but simply aren't aware of. Fully revised and carefully updated in light of the new law, Get What's Yours is the indispensable guide to collecting the maximum Social Security benefits possible."--Page [4] of cover.

Medicare For Dummies

Author : Patricia Barry
ISBN : 9781119296591
Genre : Business & Economics
File Size : 71. 91 MB
Format : PDF, ePub, Docs
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Medicare For Dummies, 2nd Edition (9781119293392) was previously published as Medicare For Dummies, 2nd Edition (9781119079422). While this version features a new Dummies cover and design, the content is the same as the prior release and should not be considered a new or updated product. Make your way through the Medicare maze with help from For Dummies America's baby boomers are now turning 65 at the rate of about 10,000 a day. Yet very few have any idea about how Medicare works, when they should sign up, or how the program fits in with other health insurance they may have. Medicare For Dummies, 2nd Edition provides a detailed road map for navigating Medicare's often-baffling complexities and helps consumers avoid pitfalls that could otherwise cost them dearly. In plain language, the new edition explains: How to qualify for Medicare, according to your personal circumstances, including new information on the rights of people in same-sex marriages When to sign up at the time that’s right for you, to avoid lifelong late penalties How to weigh Medicare’s many options so you can be confident of making the decision that's best for you What Medicare covers and what you pay, with up-to-date details of the costs of premiums, deductibles, and copays—and how you may be able to reduce those expenses By conveying not only the basics but also how to troubleshoot problems and where to find assistance, Medicare For Dummies, 2nd Edition helps you to get the most out of Medicare.

Medicare Prescription Drug Coverage For Dummies

Author : Patricia Barry
ISBN : 9781427087973
Genre : Medical
File Size : 78. 14 MB
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Medicare Prescription Drug Coverage For Dummies offers strategies to cut through the confusions of Part D, either for yourself or for someone you're helping. It explains the programs ins and outs in plain words. It shows you how to avoid or cope with pitfalls and suggests how you can lower your costs or find a better deal. Best of all, it convinces you that you can - yes, you can - handle Medicare Part D!

Your Best Health Care Now

Author : Frank Lalli
ISBN : 9781501132902
Genre : Health & Fitness
File Size : 31. 79 MB
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Inspired by his viral New York Times article, prize-winning investigative journalist Frank Lalli details how he mastered the ins and outs of health care—and how you, too, can get the best care for your money. Frank Lalli, the former editor of Money and George magazines, has devoted his career to getting to the bottom of a good story. When he was diagnosed with Multiple Myeloma, a rare but potentially deadly blood cancer, he put his reporter’s instincts to work and got the wonder drug he needed at an affordable price—thousands of dollars less than he was told he would have to spend. Amazed by the complex and arbitrary nature of the health care system, he decided to share what he has learned as his own Health Care Detective so that others can find their best care and save money, too. Based on three years of research and more than 300 first-hand interviews with experts, Your Best Health Care Now is your easy-to-follow, real-world guide to making today’s health system work for you. You’ll learn all the smart moves and timely tips to get better care and save hundreds, if not thousands, of dollars—no matter what your concerns may be. Whether you’re trying to book a free check-up or negotiate with a surgeon, looking for an effective generic drug or the best price for a brand-name, or worrying about high insurance deductibles and rising premiums or a stack of surprise bills, Your Best Health Care Now has the answers you need to take charge of your wellbeing.

Social Security For Dummies

Author : Jonathan Peterson
ISBN : 9781119296164
Genre : Business & Economics
File Size : 20. 33 MB
Format : PDF, Kindle
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Social Security For Dummies, 2nd Edition (9781119293330) was previously published as Social Security For Dummies, 2nd Edition (9781118967560). While this version features a new Dummies cover and design, the content is the same as the prior release and should not be considered a new or updated product. Praise for Social Security For Dummies: "Social Security for Dummies is a must read for people of any age who want a comfortable retirement. Jonathan Peterson does a great job of explaining this complicated system and helps you understand how to get the most from the benefits you've earned. The difference between a smart claiming strategy and a dumb one can cost you hundreds of thousands of dollars, so you'll want to invest in this book." —Liz Weston, personal finance columnist and author of The 10 Commandments of Money "This is your go-to book on Social Security. Chock-full of useful tips, easy to use, and well organized, it answers all your questions about Social Security." —Steve Vernon, author of Money for Life: Turn Your IRA and 401(k) Into a Lifetime Retirement Paycheck and CBS MoneyWatch commentator "Social Security for Dummies is indispensable for anyone who wants to get the best possible deal from Social Security—and that means all of us, young and old, because everyone will need Social Security benefits in this era of disappearing pensions and dwindling savings. Strategies for single people, for married couples, for survivors, for divorced people: You can find expert advice on all these subjects and more in this easy-to-understand guide to a very complex subject." — Bob Rosenblatt, editor of HelpwithAging.com and Senior Fellow at the National Academy of Social Insurance About the book: Take the mystery out of Social Security and maximize your benefits when you retire Social Security For Dummies is the definitive resource to navigating the often-complex world of Social Security retirement benefits and the U.S. Social Security Administration. If you're nearing retirement age, or assisting someone who is, this guide will show you how to avoid common pitfalls, determine when you should claim your benefits, and figure out how much you can expect to receive each month. This newest edition provides updates to relevant dates and resources as well as an in-depth look at policy changes that will affect those about to retire. Packed with information that will help you make decisions that will maximize your financial well-being, this great resource makes it easy to understand everything you need to know quickly and easily. Understand new Social Security Administration policies and what they mean for you Determine how to incorporate Social Security into your overall retirement plan Get answers to common questions Find resources to use when you're stumped With Social Security For Dummies, you can take charge of your retirement and successfully navigate the U.S. Social Security Administration.

How To Make Your Money Last

Author : Jane Bryant Quinn
ISBN : 9781476743783
Genre : Business & Economics
File Size : 65. 23 MB
Format : PDF
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Turn your retirement savings into a steady paycheck that will last for life with Jane Bryant Quinn’s “‘how to’ book that covers every phase of retirement finance. Bottom line, anyone on the retirement track or in retirement should own this book” (Huffington Post). Today, people worry that they’re going to run out of money in their older age. That won’t happen if you use a few tricks for squeezing higher payments from your assets—from your Social Security account (find the hidden values there), pension (monthly income or lump sum?), home equity (sell and invest the proceeds or take a reverse mortgage?), savings (should you buy a lifetime annuity?), and retirement accounts (how to invest and—critically—how much to withdraw from your savings each year?). The right moves will not only raise the amount you have to spend, they’ll stretch out your money over many more years. With this book, financial expert Jane Bryant Quinn, “America’s dean of personal finance” (Forbes), explains how to turn your retirement funds into a paycheck that will last for life. She also shows how to look at your savings and investments in a new way. If you stick with super-safe choices the money might not last. You need safe money to help pay the bills in your early retirement years. But to ensure that you’ll still have spending money ten and twenty years from now, you have to invest for growth, today. Quinn shows you how. At a time when people are living longer, yet retiring with a smaller pot of savings than they’d hoped for, this book will become the essential guide—“a hugely valuable resource for readers, wherever they are on their personal financial timeline” (Publishers Weekly, starred review).

Social Security 101

Author : Alfred Mill
ISBN : 9781440599231
Genre : Business & Economics
File Size : 22. 88 MB
Format : PDF, ePub, Mobi
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A crash course in retirement benefits! Too often, writing about social security turns the noteworthy details of the benefits into boring details about regulations or biased political arguments that would put even a die-hard bureaucrat to sleep. Social Security 101 cuts out the tedious explanations and instead provides a hands-on lesson that keeps you engaged as you learn all you need to know about the federal program that's been around since the Great Depression. From the history of social security to its likely role in the future, this primer is packed with hundreds of entertaining tidbits and concepts that will keep you engaged as you learn how to maximize your benefits. So whether you want to learn about calculating your retirement age or estimating your projected payments, Social Security 101 has all the answers--even the ones you didn't know you were looking for.

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