Maximize Your Medicare (2016 ed.), written by nationally-recognized Medicare expert and Certified Financial Planner, explains how and why a person should select a specific plan for him/herself. Once a beneficiary understands the basic rules, there are further, important factors to consider when making a decision. Given that Medicare must change due to demographic and fiscal reality, both future and current Medicare beneficiaries will need to keep up with the changing times and situation, which can affect a person's entire retirement plan, irrespective of financial or health status.