Medicare 101: Turning 65 Edition

“The best preparation for tomorrow is doing your best today.”

- H. Jackson Brown Jr.

Medicare 101: What You Need to Know Before You Turn 65

Turning 65 is an important milestone — and one of the biggest things to plan for is your Medicare coverage. Many people are surprised to learn that signing up for Medicare isn’t always automatic, and missing deadlines can cost you money in the long run. Here’s a simple guide to help you understand the basics and make informed decisions.

What is Medicare Exactly?

Medicare is a federal health insurance program for:

• People age 65 and older

• Certain younger people with disabilities

• People with End-Stage Renal Disease (permanent kidney failure)

Medicare is divided into different “parts” that cover specific services:

• Part A (Hospital Insurance): Helps cover inpatient hospital stays, skilled nursing facilities, hospice, and some home health care.

• Part B (Medical Insurance): Helps cover outpatient care, doctor visits, preventive services, and some home health care.

• Part C (Medicare Advantage): A plan offered by private companies that bundles Part A and Part B and often includes drug coverage and extra benefits.

• Part D (Prescription Drug Coverage): Helps pay for prescription medications.

(Source: Medicare.gov)

When Should You Enroll?

Most people should enroll in Medicare during their Initial Enrollment Period (IEP) — a 7-month window that:

• Starts 3 months before your 65th birthday

• Includes your birth month

• Ends 3 months after your birth month

Enrolling on time helps you avoid late penalties and gaps in coverage. If you’re still working and have employer coverage, you may qualify for a Special Enrollment Period (SEP).

(Source: Medicare.gov — When to sign up)

What Happens If You Miss the Deadline

If you don’t sign up for Part B or Part D when you’re first eligible, you could pay:

• A late enrollment penalty for as long as you have Medicare

• Higher premiums

These penalties can add up over time. That’s why it’s important to review your options and enroll on time.

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Original Medicare VS. Medicare Advantage

Many people choose to get their coverage through Original Medicare (Parts A & B) plus a standalone Part D plan. Others opt for a Medicare Advantage Plan (Part C), which bundles hospital, medical, and sometimes drug coverage, often with extra benefits like dental and vision.

Each option has pros and cons. Talking with a licensed agent can help you find what fits your health needs and budget best.

How to Get Help With Medicare?

Medicare can be confusing, but you don’t have to figure it out alone. Our licensed agents at Medicare Health Connections can help you:

• Understand your choices

• Compare plans

• Enroll on time

• Avoid costly penalties

📞 Call us today at (318) 710-3668

💻 Or visit: https://choosemhc.com