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Your Initial Enrollment Period (IEP) begins three months before the month you turn 65, includes your birth month, and ends three months after. This is the consumer’s first opportunity to enroll in Medicare. If you’re already receiving Social Security or Railroad Retirement Board benefits, you may be automatically enrolled in Medicare Part A and Part B. Individuals under 65 may also qualify for Medicare earlier due to a disability, End-Stage Renal Disease (ESRD), or Amyotrophic Lateral Sclerosis (ALS) (also known as Lou Gehrig’s disease).

Medicare Part A generally helps cover inpatient hospital stays, skilled nursing facility care, hospice care, and some home health services. Deductibles and coinsurance may apply.

Medicare Part B typically helps cover outpatient care, doctor visits, preventive services, durable medical equipment, and some home healthcare. Monthly premiums, deductibles, and coinsurance apply.

It depends on the size of your employer and the type of coverage. If your employer has 20 or more employees, you may be able to delay Part B without penalty. It's important to compare your current plan with Medicare to determine what’s best for you.

Original Medicare includes Part A and Part B, and you can add a separate Part D plan and/or a Medicare Supplement Insurance (Medigap) policy. Medicare Advantage (Part C) plans are offered by private insurance companies and include the same benefits as Original Medicare, often with additional coverage.

Medicare Part D helps cover prescription drug costs. Part D plans are offered by private insurance companies approved by Medicare. You can enroll in a standalone plan (with Original Medicare) or get Part D through a Medicare Advantage plan.

Yes, in many cases. If you delay enrolling in Part B or Part D without other credible coverage, you may have to pay a late enrollment penalty that increases the longer you wait.

Yes. The Annual Enrollment Period (October 15–December 7) allows you to review and change your Medicare Advantage or Part D coverage. There are also Special Enrollment Periods for certain qualifying events, like losing employer coverage.

Original Medicare does not typically cover routine dental, vision, or hearing services. Some Medicare Advantage plans may offer these benefits.

You can speak with a licensed insurance agent for guidance. They can help you compare plans based on your healthcare needs and budget. There’s no cost and no obligation to enroll.