The Complete Medicare Guide, First Edition

Medicare in plain English. Short sentences. Real examples. 📘

The Complete Medicare Guide, First Edition by Sam Silva (Principal, EZ Access Insurance) is an 84-page (in print) large-print, step-by-step guide for people who are new to Medicare, helping a parent or spouse, or puzzled by a letter in the mail.

The ebook is available right now ($14.99). Want a paperback ($24.99)? Tap the red Paperback button next to the Ebook format above.

1. 📖 What is inside

• Original Medicare, Parts A, B, C and D. What each part does and what it does not cover.
• Medicare Advantage or Medigap? Side-by-side tables, so you can compare before you choose.
• Medigap guaranteed-issue and trial rights. Federal and state rules, including the 12-month trial right (the 12-month "try it and return" window) with a timeline and an example.
• When to enroll. Enrollment windows and calendars, so you do not miss a deadline.
• Costs, penalties and IRMAA. What you pay and when it can go up.
• Medicaid vs. Medicaid long-term care. How they differ, plus the Medicare Savings Programs that can help pay Medicare costs.
• New York and Florida information side by side, because state rules differ.
• 2027 as the financial reference year. Where 2027 amounts are not yet published, the book shows the official 2026 amounts and labels them clearly.
• Wills and trusts. Estate planning basics: how wills and trusts work and why your documents matter.
• Extra insurance options. Dental, vision, hearing, hospital indemnity, cancer, life and final expense policies, and what each one does.
• HSA, HRA, FSA and MSA. How these health accounts relate to Medicare.
• Social Security timing, working past 65 and other coverage.
• 84 pages in print, in large, easy-to-read type.

2. 🧮 Worked examples and checklists

• Worked examples with the math shown, so you can follow every step.
• Checklists and worksheets for your medications, doctors and questions.
• Questions to ask before you choose any plan or adviser.
• A glossary of plain-English definitions and a phone-number list.

3. 👥 Who this book is for

• People turning 65, or a few years away.
• Adult children and spouses who help with Medicare decisions.
• Anyone comparing Medicare Advantage and Medigap.
• Anyone who wants clear answers without insurance jargon.

4. 🔄 Updates

Medicare numbers change every year. Each table in the book has a year label and a QR code. Scan the code, or visit ezaccessinsurance.com/medicare-books, for current Medicare rates and annual updates.

5. 📋 Table of contents

Page numbers refer to the print edition.

6. ⚠️ Important notice