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As soon as you become an eligible annuitant to join Medicare that's the best thing for seniors. Nevertheless, what you could have forgot in all your enjoyment in being able to receive health care at a reasonable price is that anything that's regarding health care, including all elements of Medicare can be complicated. That said in order to get only a "dab" of quality you need to get rid of that word "confusing". Therefore here are several answers for your concern. - The Medicare Handbook For 2013: It was delivered to you for a reason so don't ignore it; read it. It has all of the solutions to even probably the most trivial concerns. And if you still have trouble working it out, every state has a health insurance assistance system where you could possibly get quick and free Medicare guidance via an 800 number. And don't be embarrassed; your "life raft" could have plenty of people. - When you join Medicare Part A which is your hospital insurance and evidently free, you'll have the choice to simply take the next step to Medicare Part B which is medical coverage; but it isn't free. Ergo, if the coverage you receive in Part A works for you, you are not required to add Medicare Part B; it's an option but does contain some coverage you might need. Also, if you decided to not simply take the Part B program, in some instances, you may postpone your Medicare Part B without paying higher rates. No 3 - However when you yourself have Medicare Part A and Part B coverage but find your wellbeing requires still requires a Medicare additional or Medigap coverage like Medicare Part D, it is a prescription medication option that pays for generic and brand-name prescription drugs. All that's necessary to complete is get online and do some old fashioned looking around for your budget that is fit by the best deal, like Suggested Browsing.