Get It Right:
Medicare & Social
Security Unlocked
The clear, step-by-step guide that helps you stop guessing and start making confident decisions about your Medicare coverage and Social Security benefits.
By Kate Spilsbury, Licensed Insurance Agent, RSSA® & CMIP®
Confusion is Optional.
Clarity Is Right Here.
Medicare and Social Security don't have to feel overwhelming. This guide breaks it all down with simple explanations, real-life examples, and actionable steps.
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Choose the right Medicare path for you Understand Parts A, B, C & D — and when each one matters for your situation.
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Avoid the most common (and costly) mistakes Late enrollment penalties, coverage gaps, and IRMAA surcharges — know what to watch for before it's too late.
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Maximize your Social Security benefits Learn how claiming age, spousal benefits, and your earnings record can dramatically impact your lifetime income.
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Medicare Supplement vs. Medicare Advantage An honest breakdown of both options so you can decide what actually fits your health needs and budget.
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Coordinate Medicare & Social Security Understand how your Social Security income affects your Medicare premiums — and how to plan around it.
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Create your personalized retirement game plan Walk away knowing exactly what to do — and when — based on your age, work status, and goals.
There's a lot of noise out there when it comes to Medicare and Social Security. My goal is to cut through that and give you real help, from real people who care.
Founder, Mere Benefits
The Medicare & Social Security Unlocked Roadmap
Included with your book purchase — a step-by-step roadmap tailored to where you are right now.
Turning 62: Early Social Security Prep
Create your mySocialSecurity account, understand how early claiming affects your lifetime income, explore spousal benefits, and start thinking ahead for Medicare.
Turning 65: Medicare & Social Security Coordination
Know when and how to apply for Parts A & B, avoid late enrollment penalties, compare your coverage options, and decide whether to claim Social Security now or wait.
Working Past 65: Smart Planning
Confirm your employer plan counts as creditable coverage, understand Special Enrollment Periods, and plan the right time to transition — without leaving money on the table.
Kate Spilsbury
🛒 Order Your Copy on AmazonGet Your Free Bonus Tools
The book points you to powerful resources designed to help you put everything into action. Request your free downloads below.
Medicare & Social Security Unlocked Roadmap
The age-by-age action guide that shows you exactly what to do — and when — based on where you are today.
Your Future Unlocked Starter Kit
Clarify your goals and build your retirement confidence with this hands-on planning kit.
Medicare Resource Guide
Your go-to cheat sheet for plans, providers, enrollment timelines, and helpful links — all in one place.
Drug Saving Strategy
Practical tips to reduce prescription costs before and after Medicare begins.
Social Security Analysis
Understand your personalized benefit options so you can choose the claiming strategy that fits your life.
Medicare & Social Security Newsletters
Stay informed without the overwhelm — one short, value-packed newsletter each month on each topic.
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What Readers Are Saying
"Everyone needs this book!"
The format of questions with answers, using real life examples and a clear 'what went wrong, how to avoid it' makes this book make complicated things simpler. There is such a great need for this information to get into the hands of anyone in their 60's and anyone providing care for those approaching or at Medicare/SS age. Highly HIGHLY recommend.
— Courtney Hebert, Verified Purchase
"Clear, Practical, and Engaging: A Must-Have Resource"
Get It Right: Medicare & Social Security Unlocked is an incredibly valuable resource. It's easy to read and packed with real-life anecdotes that make the information more relatable and engaging. The chapter on Social Security stood out right away. Highly recommend!
— Malia C Rogers, Verified Purchase
"This book really helps!"
This answered so many questions for me! It explains health insurance in such a clear and engaging way — giving examples to illustrate every kind of scenario. I read the whole book in one sitting. If you are puzzled by all the rules and wonder what to do — get this book.
— Senior looking for answers
"Read this before signing up for Medicare & SS"
I have personally worked with Kate for many years. She simplified the Medicare jargon and helped me to decide when I wanted to start collecting Social Security. I'm excited for anyone to read and use this book.
— Ellepug
"Unlock information"
This is a much needed book. Most people don't realize the things they do not know about Social Security and Medicare. How can you know if you have made or will make the best choices, if you don't even know what you're missing?
— Its Me
Frequently Asked Questions
Who is this book for?
This book is for anyone approaching Medicare eligibility, already on Medicare, collecting Social Security, or helping a parent or loved one navigate these decisions. It's written in plain language — no insurance background required.
Is this book only for Florida residents?
Not at all. While Kate is based in Jacksonville, FL, the Medicare and Social Security rules covered in this book apply nationwide. This book is useful for anyone in the United States regardless of where you live.
Does this book explain both Medicare Advantage and Medicare Supplements?
Yes. The book walks through the differences between your coverage options so you can understand which approach may make the most sense for your situation.
Is this useful before I turn 65?
Absolutely. In fact, reading it early is one of the best things you can do. Missing enrollment windows can result in permanent penalties, and this book helps you avoid those costly mistakes.
Does this explain Social Security timing?
Yes. One of the most common and expensive mistakes people make is claiming Social Security at the wrong time. This book breaks down how timing affects your benefit and what factors to consider.
Can family caregivers or adult children use this book?
Yes. If you are helping an aging parent navigate Medicare or Social Security, this book will give you the foundation you need to ask the right questions and avoid mistakes on their behalf.
Does this replace talking with a licensed insurance agent?
No — and it's not meant to. Think of it as the education that helps you have a much more informed conversation when you do speak with an agent. Kate actually encourages readers to work with a licensed professional for their specific situation.
Are the bonus tools digital?
Yes. The free bonus tools are digital and accessible after purchase. They are designed to complement what you learn in the book and help you apply it to your own situation.
Ready to Get It Right?
Order your copy today and start building your retirement with clarity and confidence.