Congratulations. You are approaching 65 years old and will soon be eligible for Medicare. As you will soon find out, this is an extremely complex government program with few “take backs” and no “start overs.” It is best for an applicant to go into the decision-making phase with a clear understanding of the programs and choices. Although information is available online, it is overwhelming and time-consuming for individuals to make sense of it all – and they are likely to miss some important points that can cost them a lot of money.