Don't sign up for Medicare Advantage when you turn 65:

[buzzycrumbhunger]

12. Gods, yes!

At the beginning of every year, I can’t keep count of the number of patients who just deflate when they realize they have to meet the Medicare deductible before they start to pay for anything—sometimes to the tune of thousands of dollars—and they’ve been put on some crap specialty medication that they’ll have to pay out of pocket for over several months before they actually see any benefit.