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You should enroll during your Initial Enrollment Period (IEP) — this includes:

○ 3 months before your 65th birthday

○ Your birthday month

○ 3 months after

Missing this window could result in lifetime penalties and gaps in coverage.

Many beneficiaries who delay enrollment without creditable coverage pay higher premiums permanently.

These are two very different ways to receive your Medicare benefits:

Medicare Advantage (Part C):

○ Bundled coverage (hospital, medical, often dental/vision)

○ Lower monthly premiums

○ Network-based (HMO/PPO)

Medicare Supplement (Medigap):

○ Works with Original Medicare

○ Helps cover out-of-pocket costs

○ More flexibility with providers nationwide

👉 The best option depends on your budget, doctors, and lifestyle.

Costs vary depending on the coverage you choose, but here’s a general breakdown:

○ Part A (Hospital Insurance): Often $0 premium if you’ve worked 10+ years

○ Part B (Medical Insurance): Standard monthly premium (varies yearly)

○ Additional plans: Medicare Advantage or Supplement + Part D (drug coverage)

The average Medicare beneficiary spends thousands annually on healthcare, which is why choosing the right plan matters.