When you turn 65, you must first enroll in Original Medicare, which includes Medicare Part A and Part B.

Medicare Part A (Hospital Insurance) covers inpatient hospital stays, skilled nursing care, hospice, and some home health services. Most people pay no monthly premium.

Medicare Part B (Medical Insurance) covers doctor visits, outpatient services, preventive care, lab work, and medical equipment. A monthly premium applies.

Your Initial Enrollment Period lasts 7 months — enrolling late may result in lifetime penalties.

This option provides nationwide provider access and predictable healthcare costs.

Original Medicare (Parts A & B):
See any doctor nationwide who accepts Medicare.

Medicare Supplements (Medigap):
Helps pay deductibles, copays, and coinsurance not covered by Medicare.

Medicare Part D:
Covers prescription medications based on your specific drug needs.

Best for those who value flexibility, stability, and fewer out-of-pocket surprises.

Medicare Advantage plans are private insurance alternatives to Original Medicare.

These plans:

• Combine Parts A and B

• Often include prescription drug coverage (Part D)

• May offer dental, vision, hearing, and fitness benefits

Provider networks and cost-sharing apply, and plan benefits may change annually.

Medicare plans can change every year. Reviewing your coverage ensures your plan still fits your healthcare needs, prescriptions, and budget — especially if your health changes.