Recently retired, I signed up for a Medicare advantage policy with a local provider I know and feel comfortable with. On enrolling I got a large envelope with booklets, letters and a 3-pound (2.8 pounds by the scale) Evidence of Coverage (EOC) book. Because my health needs aren't great I just glanced at parts of the EOC about doctors and prescriptions.
Then the other day the 2014 EOC big book came and I had to give it more attention because there were changes to the plan mainly cost increases. These EOC books are large because they have to detail the health coverage, rules and regulations; complaints, appeals and other legally required information. I don't fault the plan provider or the government regulations requiring the information for the consumer, but a system that requires seniors to make informed decisions about important health care with such an overload of hard-to-understand information is kind of crazy.
As our mental abilities decline, we are required to deal with increasingly complex material affecting our health care. If I were 10 years more into my seniorhood, I might have just given up trying to make sense of pounds of health coverage information.