Free guide · Personal edition

Learn Medicare for yourself.

27 pages, in plain English. Written for people approaching 65 (or already there) who want to understand Medicare before any paperwork is signed. No jargon, no sales script.

Helping a Polish-speaking parent with Medicare instead? The family edition is here →

What's in the guide

Each chapter is written in plain English, for you, the person enrolling. No jargon:

Chapter 1. What Medicare is, who qualifies, what it costs, what to expect.
Chapter 2. The four parts of Medicare (A, B, C, D), plus Medigap. What each covers.
Chapter 3. When to enroll: IEP, AEP, MA-OEP, SEP. Dates, penalties, working past 65.
Chapter 4. The big choice: Medigap vs. Advantage. Two philosophies, compared side by side.
Chapter 5. Part D (prescription drugs): formulary, tiers, the 2026 $2,100 cap.
Chapter 6. Top ten questions and answers.
Chapter 7. Next step: three ways to schedule a free consultation.

A few things to know before downloading

Educational, not promotional. The guide doesn't name specific carriers, list specific plan premiums, or recommend "the best" plan.
2026 numbers. All amounts (e.g., the $2,100 Part D cap) are based on CMS 2026 rules and may be updated by CMS.
No obligation. Reading the guide doesn't sign you up for anything. Any next step is your call.