It is estimated that 95% of Americans receiving Medicare benefits pay too much for their coverage. How do you, or your loved ones avoid that fate? We asked Medicare consultant, Katy Votava to take us through the initial process of navigating the Medicare system and maximizing the benefits available. Votava, a Registered Nurse with a PhD in health economics and nursing is the founder and President of GOODCARE.COM, a fee for service consulting firm specializing in healthcare options for financial advisors, individuals and small businesses. She is the co-author of the eBook, Making the Most of Medicare: A Guide for Baby Boomers and is Medicare Columnist for InvestmentNews.