This book was written to assist seniors, their families, and the people who care for seniors. Information is critical when making choices about health care. Sometimes, the decision that needs to be made is whether to move into an assisted living centre or to age at home. When choosing assisted living, one must choose between multitudes of facilities or choose a private group home. If choosing to stay in one's own home, many need to choose an aide to assist them. And, of course, a complex and important choice is whether to stay with traditional Medicare or go with an HMO. As an Occupational Therapist, the author is dedicated to working with seniors in nursing homes, hospitals, hospice care, and in their own homes since 1989. She wrote this book in response to the helplessness and frustration she felt watching the results of our health care system deteriorating over the last 15 years.