"Groceries or prescriptions?" The wrong Medicare choice can cost you thousands-or coverage you need.65 and Covered connects Medicare, Social Security, life insurance, and annuities in plain English-for anyone turning 65 who's done guessing.This isn't a dense government manual or a wall of legalese. It walks you through five clear sections-in the order most people actually need to figure them out-so you can move from overwhelmed to confident, one decision at a time.Inside, you'll learn how to: Choose between Original Medicare and Medicare AdvantageCompare Medigap and Part D coverageAvoid permanent late-enrollment penalties and coverage gapsUnderstand IRMAA and other retirement tax surprisesDecide when to claim Social Security-and what that choice may mean for a spouseEvaluate whether life insurance or an annuity still belongs in your retirement planCoordinate Medicare with employer, military, disability, and travel benefitsRecognize Medicare scams designed to look officialOrganize the checklists and legal documents that help protect everything elseEvery chapter ends with a simple checklist, so you always know what to do next. And because this book is written for readers nationwide-not just those living in one state-you'll get straightforward guidance no matter where you live.Robin Dall is an independent Medicare broker and educator with more than a decade of experience helping people at exactly this moment in their lives. This is the book she wishes every new client had before their first appointment.You don't need to become an overnight expert. You need to see the whole picture while you still have room to choose.No call centers. No sales pitch. Just clear, honest guidance
