Melissa Garrido

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It can take a lot of effort to understand the many different Medicare choices. Halfpoint Images/Moment via Getty Images

Medicare vs. Medicare Advantage: sales pitches are often from biased sources, the choices can be overwhelming and impartial help is not equally available to all

Grace Mackleby, University of Southern California and Melissa Garrido, Boston University

Signing up for a Medicare plan when you turn 65 − or making changes in subsequent years – means wading through a thicket of consequential choices that can’t always be undone.

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