What No One Tells You About Medicare Coverage — Glen (Vol. 1)

The following is an excerpt from Phillip Moeller’s Get What’s Yours For Medicare: Maximize Your Coverage, Minimize Your Costs, out now on Simon & Schuster. This is the first of a three-part series on Medicare coverage. Glen didn’t retire until he turned 70 in 2010. He and his wife, Margie, were covered until then by his employer’s health plan. Glen read the annual Medicare & You guide put out by the Centers for Medicare & Medicaid Services (CMS). His clear understanding from the guide was that he had been automatically enrolled in Medicare since he turned 65. This was not true. Glen made a big Medicare mistake by not asking anyone to confirm his understanding. In fact, Glen had no Medicare coverage as of 2010. Neither did Margie. But they didn’t know this. Phillip Moeller (Photo courtesy of Simon & Schuster) “No one told me” is a scary cautionary Medicare tale that could be the subtitle of this book. “No one told me” is a scary cautionary Medicare tale that could be the subtitle of this book. It is repeated in countless calls for help from people like Glen and Margie (not their real names) to Medicare consumer counselors and call-center staffers around the country. And it is voiced even by people who consider themselves otherwise smart and well informed. As it turns out, there can be little about Medicare that is automatic or clear or, especially in the midst of a medical emergency, logical or perhaps even fair. Despite widesprea...
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