Longer lives, career satisfaction, financial security – all of these are reasons why people choose to stay in the workforce long past 65 years old. Turning 65 may not mean retirement for you, but it still marks the age to turn your attention to Medicare to learn whether it’s the right time for you to enroll.

A recent report by the U.S. Department of Health and Human Services Office of Inspector General determined that a significant number of denials actually met Medicare coverage rules. Most of the major news outlets carried headlines about this report designed to catch your attention. To help sort out useful from unhelpful facts, let’s start by putting the results into perspective.

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There are essentially three different Medicare “parts,” each offering a different aspect of coverage. Additionally, there are Medicare Advantaged plans, which take a more all-in-one approach. Let’s take a look at each of the types of plans.

Medicare is the federal insurance program designed to help older Americans afford healthcare. Medicare has been a part of the American healthcare system for 55 years and helps millions of Americans pay for their medical expenses…