Turning 65 Soon?
Don’t Guess Your Medicare Plan.
Download Medicare 101: Your Guide to Making the Right Choice at 65 and turn confusion into confidence in under an hour.
Updated for 2025
Feel Like Medicare Was Designed to Confuse You?
You’re not alone. Medicare comes with parts, plans, penalties, and deadlines—and somehow you’re supposed to “just know” what to do.
One wrong move can mean:
- Lifelong late-enrollment penalties added to your premiums.
- Dangerous gaps in coverage when you need care most.
- Being locked into a plan that doesn’t fit your doctors, prescriptions, or budget.
"Medicare 101: Your Guide to Making the Right Choice at 65 was created to change that. It walks you through every major choice in plain English."
What You’ll Discover Inside the Ebook
This isn’t a government brochure. It’s a step-by-step guide designed to help real people make clear, confident decisions.
Parts A, B, C & D Demystified
Understand the four parts without the jargon. See what each actually covers (hospital, doctor, prescriptions) and how they work together.
Medigap vs. Advantage
Learn the true trade-offs between flexibility and low monthly costs. We break down networks, referrals, and travel rules simply.
Avoid Costly Mistakes
Master the enrollment windows. Learn how to avoid late penalties and prevent coverage gaps if you're working past 65.
Prescription (Part D) Strategy
Understand formularies and tiers. Learn how to ensure your specific medications are covered before you sign on the dotted line.
Special Situations
High income? VA coverage? Retiree benefits? We explain how IRMAA and other benefits interact with Medicare rules.
Start Learning Today
Easy-to-Use Tools, Not Just Information
This guide doesn’t just talk about Medicare—it helps you make decisions. Print them, highlight them, bring them to appointments.
Medicare Checklist
Organize your budget, doctors, and travel needs.
Self-Assessment Quiz
Quickly see if Medigap or Advantage fits your lifestyle better.
Real-Life Scenarios
Examples for snowbirds, chronic conditions, and workers.
Final Decision Checklist
Make sure you’ve covered all bases before enrolling.
Decision Checklist
Page 24"This checklist saved me from forgetting to check my specialist's network!"
Who This Guide Is Perfect For
- You’re turning 65 in the next 12–18 months and hate last-minute rushes.
- You’re already on Medicare but question if you have the right plan.
- You travel often or split time between states (Snowbirds).
- You take several prescriptions and fear surprise drug costs.
- You want Medicare explained like a trusted friend, not a manual.
Why Get Medicare 101 Now?
Because Medicare has strict deadlines. The earlier you understand your options, the more leverage you have. Plan ahead for your 65th birthday instead of scrambling.
You’ve worked your whole life for this. You deserve healthcare that supports your freedom.
About My Financial Life
Medicare 101 was created by My Financial Life, a team dedicated to helping individuals and families make smart, informed decisions about healthcare and retirement. Our mission is simple: give you the clarity and tools you need so you never have to navigate Medicare alone.