I see the trolls are out in full force. Nothing to do on a Friday night? Dumb asses don't realize it will help you. What part of it do you not understand? There is even some VERY easy to understand cartoon like charts on the Health and Human Svcs website. Ya might wanna look at it. Also, it's your republican heros that want to put an end to Medicare. Do you not LISTEN to what they are saying?