It’s best to start planning about 6 months before your 65th birthday. Your Initial Enrollment Period (IEP) begins 3 months before you turn 65 and runs for 7 months total. Starting early helps you avoid gaps in coverage or late enrollment penalties.
Medicare Advantage (Part C) combines Medicare Parts A and B, often including Part D drug coverage and extras like dental or vision. Medicare Advantage plans typically have deductibles and doctor networks that may restrict your choice of providers.
Maybe. If your employer has 20 or more employees, you may delay enrolling in Part B without a penalty. However, if your employer has fewer than 20 employees, Medicare becomes your primary coverage, and enrolling on time is important to avoid late penalties and gaps in coverage.
Yes, if you delay enrolling in Part B (or Part D for drug coverage) without having qualifying group insurance, you could face lifetime penalties added to your monthly premium. Proper timing matters.
Yes, you can change Medicare Advantage or Part D plans during the Annual Enrollment Period (October 15 – December 7) each year. Changes to Medigap plans may require medical underwriting, depending on your situation.
Part A covers hospital room and board, inpatient hospital stays, skilled nursing care, and some home health services.
Part B covers about 80% of the cost for doctor visits, outpatient services, preventive care, and durable medical equipment.
Additional costs apply for Medicare Advantage, Part D, or Medigap plans.
Yes, if you choose Original Medicare or a Medigap plan, you’ll need to add a separate Part D plan for prescription drug coverage. Some Medicare Advantage plans already include drug coverage.
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