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I got my card in the mail a couple of weeks ago, with an effective date of December 1. I've been trying to figure out everything about drug plans and medigap plans, and coordinating with my private health insurance (which will end). If there ever was a reason to end government as we know it, it's the rules and instructions for Medicare and the Tax Code. Both appear to have been written for the sole purpose of confounding anyone with any brains at all.

The transition from private health could be a complication if it's employer program. I had no trouble because I was already buying my own with Blue Cross and wanted a Blue Cross medigap plan. My regular insurance agent handled the application of medigap and Part D. Quick call by me to Blue Cross made sure the transition went smoothly.

Medicare isn't that complicated. Many local organiations or national groups like AARP offer helpful information. If you're worried about existing conditions during the transition, you'll find health care providers are accustomed to this. Just let them know it's coming and they will handle it. It's much easier than when an employer changes insurance companies on you.
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