You already own the book. This is everything that works better on a screen: the decision, your own dates, the arithmetic, and the numbers that change every November.
The book explains why. This is where you do it: the questions answered against your own situation, the sums done in front of you, and the figures a printed page cannot keep current. Nothing here needs an account, nothing you type leaves your device, and nobody will call you.
Nine questions from Chapter 5, weighted the way the book weights them. It shows its reasoning, names the traps that apply to you, and has nothing to sell.
Start hereYour Initial Enrolment Period, your Part B deadline, your six-month Medigap window and the date you must stop paying into an HSA. Worked out, not looked up.
The windows that never reopenFour calculators that show every step: the IRMAA brackets, Plan G against High Deductible Plan G, the permanent Part D penalty, and what your 20 percent really is.
Show your workingEvery premium, deductible, cap and IRMAA bracket, each naming its CMS source and the date it was checked. When CMS publishes 2027, this page changes and your book does not have to.
Last checked 2026-08-28Every chapter's closing takeaways and all 88 glossary terms, generated from the manuscript itself, plus all nine printable guides. Type a word, find the chapter.
Free to printOne Medicare trap each, a few minutes long: the observation trap, the one-way door, phantom networks, formulary drift. Watch the one that matches the decision in front of you.
Free, no accountThe companion podcast, the 45 minute episode on the most expensive traps, and the short film for caregivers.
Free, no accountAppendix D, printable. One page holding everything a hospital, a counsellor or your family would need on the worst day. Fill it in once.
Printable PDFTwo honest sentences carry further than anything the author can do alone. Criticism welcome.
About a minuteEvery other Medicare book goes stale. The figures change each January, so by the autumn the book on the shelf is quietly wrong and you are expected to buy the new edition. Again. That is not an accident, it is the business model.
This one was built so you never have to. Appendix B hands you a toolkit that pulls the current year's official figures straight from the CMS sources in about a minute. 2027, 2028, whenever you are reading this. There are step by step instructions, written for someone who has never touched AI in their life.
Here is the once-a-year habit worth keeping. Every October, before you confirm next year's plan, open the checked numbers to see what has moved and why, then the prompts to pull your own. Twenty minutes, once a year, and the book you already own stays current.
Medicare Decoded comes as the standard paperback, as a Kindle edition, and as a large print edition set in 16 point type on a full 8.5 by 11 inch page, for reading with your glasses on and then forgetting about them.
Everything on this site works with all three. The addresses printed in the back of each edition point here, the printables are the same, and nothing is locked to one format. If the type on this site is still too small, the A / A+ / A++ control at the top of every page makes it bigger and remembers your choice.
It will not sell you a plan, quote you a premium, or pass your name to an agent. There is no form here and no email address to harvest. It will also not replace the book: there are no chapters on this site, and if you are sitting with a decision in front of you, the reasoning is in the book in your hands.
And it is not official. This is not Medicare, CMS or Social Security. For free unbiased help from someone who earns no commission either, call a SHIP counsellor on 1-877-839-2675 or visit shiphelp.org. Medicare itself is on 1-800-633-4227.
Nothing you enter is transmitted. The path questions, your birthday, your income figure: all of it is worked out inside your own browser and is gone the moment you close the tab. There is no account, no sign-up, no cookie banner and no form.
The one thing that is remembered is your chosen text size, kept in this browser on this device so the page looks right next time. Clear your browsing data and it is gone, and we never had a copy.
To be exact rather than merely reassuring: our host, Cloudflare, adds its own small privacy-preserving counter to every page it serves. It sets no cookie and does not identify individuals, but it exists, and saying "no analytics" would not be true.
This book is maintained. If something in it is wrong, unclear or out of date, we want to know, and we would rather hear it from you first.
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