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At a time when baby boomers are approaching the age of 65, some physicians attuned to this economic reality have simply stopped accepting Medicare patients.

"The focus of this Toolkit is on creating written material intended for use by people eligible for or enrolled in Medicare, Medicaid, or the Children's Health Insurance Program -- and by people who serve or assist them, such as family members and friends, outreach workers, agency staff, community organizations, and care providers. While the guidelines and advice we offer are geared to the needs of CMS audiences, most of them reflect general principles for effective communication of information that can be applied to any audience."