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Free • 2026 Edition • Digital Book

The Medicare Field Manual

Everything Medicare doesn’t explain, one page at a time. Eighty-five concepts, every number current for 2026, and written for Oklahoma.

85Concepts, one per page

103Pages

100%Of figures linked to the source

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Medicare is not hard. It is taught in the wrong order.

Most Medicare guides are either accurate and unreadable, or readable and three years out of date. We wrote this one to be the third thing.

One concept per page

Every page is self-contained. Read it front to back, or open straight to the answer and close it again. Both work.

Every number is 2026, and linked

Tap the source at the bottom of any page and it opens the CMS or Medicare.gov page that figure came from. Nothing asks you to take our word for it.

Built for Oklahoma

Six pages that most national guides leave out, including the birthday rule most Oklahomans have never been told about.

Look inside

Four pages from the book. Tap any of them.

Same layout on every one of the 85. The short answer up top, the real numbers in the middle, and what it costs you if you get it wrong at the bottom.

Sample page

Concept 1The Four Holes

Sample page

Concept 12Observation Status

Sample page

Concept 36How Medigap Is Priced

Sample page

Concept 75Oklahoma Has A Birthday Rule

What’s inside

Twelve parts. Start at concept one, or go straight to the part you are stuck on.

IStart HereThe Four Holes, the two roads, and the only four dates that matter

IIPart A, The HospitalBenefit periods, the 3-day rule, observation status

IIIPart B, The Medical HalfThe 20% with no ceiling, assignment, what preventive really means

IVPart D, PrescriptionsThe donut hole is dead, the $2,100 ceiling, why you reshop every year

VMedigapWhy every Plan G is identical, G versus N, how it is priced

VIMedicare AdvantageHMO, PPO, the maximum out-of-pocket, networks, prior authorization

VIIEnrollment WindowsWorking past 65, taking Part B too early, guaranteed issue rights

VIIIUnderwritingWhat they ask, and what to do when you are declined

IXThe Holes Nobody PlugsLong-term care, dental and vision, cancer, travel, the VA

XMoneyLate penalties, IRMAA and how to appeal it, Extra Help

XIOklahomaThe birthday rule, Medigap under 65, rural hospitals, free help

XIIRunning Your YearThe Annual PCI, guarding your card, reading the mail

Who it is written for

Turning 65 this year

Start at concept one. The first five pages give you the whole board before anybody tries to sell you a piece of it.

Already on Medicare

Go to Part XII. The Annual PCI is the once-a-year check that catches the changes your plan never announces.

Helping a parent

Read concept 12 first. Observation status is the single most expensive thing nobody explains at the hospital.

Written by Connor Abel

Founder, MedicarePrepare • Marine Corps veteran

Connor runs MedicarePrepare, writes Medicare business himself, and leads the team of agents behind it. Before Medicare he was a Marine Corps non-commissioned officer, and the book’s closing chapter, The Annual PCI, borrows the pre-combat inspection for a reason: nobody can inspect their own blind spots.

MediBear, our brand ambassador, turns up throughout the book whenever something needs saying in plainer words.

Just want the numbers? The two-page 2026 Medicare Cheat Sheet has every figure from the book on a single sheet you can keep on the fridge.

Get the Cheat Sheet

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Educational material. MedicarePrepare is not connected with or endorsed by the United States government or the federal Medicare program. Figures current for the 2026 plan year.

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