Getting Started With Medicare

Many people find the idea of signing up for Medicare confusing — and that's understandable.

You’re used to getting your insurance from your employer or the marketplace. After so many years of doing something one way, it can be intimidating to learn a new way.

There are many different options for Medicare coverage. We can help you find a plan that’s right for you. This video removes some of the mystery and confusion with some Medicare basics.

We've also put together answers to some of the most common questions about Medicare.

Am I Eligible for Medicare?

You are eligible for Medicare if you are 65 or older, but you can enroll in Medicare as early as three months before your 65^th birthday. Enrolling early can help ensure your benefits start on the first day you are eligible.

What is Medicare?

Medicare isn’t just one insurance plan. In fact, Medicare is broken into different parts that cover different things.  Parts A and B (Original Medicare), Part C, and Part D.

Here’s a short breakdown of each part.

Part A – Hospital Coverage 

• Covers inpatient hospital, skilled nursing facility, home health and hospice care

Part B – Medical Insurance 

• Covers doctor’s services, medical services and supplies

Part C – Medicare Advantage Plans 

• Offers Parts A and B combined. Some Medicare Advantage Plans include prescription drug coverage

Part D – Prescription Drug Coverage 

Medicare Supplemental Insurance

• Can be added to Parts A, B, and D for additional coverage
• There are many supplemental plans (lettered A-N with a few letters missing). The basic benefits of each lettered plan is the same across insurance companies.
• Watch this video  for more details about Medicare Supplemental Insurance.

How Do I Enroll in Medicare?

In addition to the initial enrollment period that begins just before your 65^th birthday, there is an annual enrollment period that begins in October and runs into December. During this period, you can join a Medicare Advantage Plan or make changes to your existing Medicare coverage.

You can find more detailed enrollment information here.

Important Plan Information
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Originally published 7/19/2019; Revised 2021, 2024; Reviewed 2022