Medicare is a critically important source of health insurance for 45 million Americans. Health insurance coverage matters to people of all ages, but it is especially important for those with permanent disabilities and those with illnesses and chronic conditions associated with aging. Despite important breakthroughs in medical practice and advances in medical technology, the inescapable truth is that health problems, medical needs, and health care expenses are major concerns -- making health coverage decisions critical for those covered by Medicare. For most of us -- whether we're on Medicare or not -- decisions about health insurance are often difficult because they affect the kind of care we get and our financial security.

Talking about Medicare is intended to help you think through basic health care issues and provide information that should better equip you and your family to discuss these topics. People on Medicare face additional choices associated with the Medicare prescription drug benefit. This guide helps you understand how the drug benefit works, how to choose a drug plan that meets your needs, and how to get additional help with drug costs if you are on a limited income.

In addition, a state-by-state list of key agencies that can answer your specific questions about Medicare, Medicaid, supplemental health insurance, the Medicare prescription drug benefit, and long-term care is included under Additional Resources in this guide. We hope this guide will be a useful tool for you.