Medicare might seem complicated, but the earlier you start learning about it, the smoother your experience will be. Most people qualify for Medicare at age 65, but you can start signing up three months before your birthday. If you have a disability, you might be eligible even earlier.
Medicare has different parts that cover hospital stays, medical services, and prescription drugs. Each plan has its own rules and costs, so doing a little research in advance will help you make the best and most cost-effective decisions when the time comes.
Sign Up on Time
Timing is everything! You can sign up for Medicare Part A (hospital insurance) and Part B (medical insurance) starting three months before your 65th birthday, and up to three months after. But don’t wait too long—delaying your enrollment could mean paying higher premiums for life!
To avoid any penalties, visit Medicare.gov and answer a few quick questions to find out exactly when you should sign up. Getting in early will save you money and give you peace of mind.
What If You Have Insurance Through Work?
If you’re still working at 65 and have health insurance through your employer (or your spouse’s employer), you might not need to enroll in Medicare right away. However, most people don’t pay for Part A, so it’s a good idea to sign up for that when you turn 65.
For Part B, you can wait until your work coverage ends. Just make sure you enroll within eight months after leaving your job to avoid late penalties.
Don’t Skip Your Free Welcome Visit!
Medicare Part B includes a free “Welcome to Medicare” visit within your first year of coverage. This is a great opportunity to go over your medical history, get essential health screenings, and plan for preventive care.
The visit itself is free, but if your doctor orders additional tests, you might have some out-of-pocket costs. Still, it’s a great way to start off on the right foot with Medicare.
Pick the Right Plan for You
Choosing between Original Medicare and a Medicare Advantage plan is one of the biggest decisions you’ll make.
- Original Medicare gives you flexibility—you can visit any doctor who accepts Medicare. But you may need extra coverage for prescriptions and other expenses.
- Medicare Advantage plans bundle hospital, medical, and often drug coverage together. They may include extra benefits like dental or vision, but you’ll need to use doctors within the plan’s network.
Take your time comparing plans on Medicare.gov, and don’t assume that what works for a friend or family member is best for you.
Review Your Plan Each Year
Medicare plans change every year, and so do your healthcare needs. That’s why it’s a smart idea to review your coverage annually.
You can make changes during the Open Enrollment Period (Oct. 15 – Dec. 7) or, if you have a Medicare Advantage plan, during the Medicare Advantage Open Enrollment Period (Jan. 1 – March 31). Life changes—like moving or losing other coverage—might also allow you to adjust your plan outside of these windows.
Need Help With Costs?
Medicare can be expensive, but help is available! If your income is limited, programs like Medicaid and the Medicare Savings Program might help with costs like premiums and prescription drugs. You can check with your state’s Medicaid office to determine if you qualify.
Know Your Network
If you have Original Medicare, you can visit any doctor or hospital that accepts it. If you choose a Medicare Advantage plan, be sure to check which doctors, specialists, and hospitals are in your network. Some plans require referrals for specialists, so read the fine print before signing up.
What’s Covered (and What’s Not)?
Medicare covers a lot—but not everything.
- Part A: Hospital stays, skilled nursing, hospice, and some home health care.
- Part B: Doctor visits, outpatient care, preventive services, and medical equipment.
- Part D: Prescription drugs (if you enroll in a separate plan or have a Medicare Advantage plan with drug coverage).
To avoid any surprises about what’s covered, it’s a good idea to double-check Medicare.gov.
What About Extra Costs?
If Original Medicare doesn’t cover everything you need, you can look into MO Senior Advisors, LLC—a supplemental insurance policy that helps cover out-of-pocket costs. It’s best to buy a MO Senior Advisors plan within six months of signing up for Medicare, as waiting too long might mean higher prices or limited options. Note: If you have a Medicare Advantage plan, you can’t buy a MO Senior Advisors plan.
Set Up an Online Account
Creating a Medicare.gov account gives you 24/7 access to important information like claims, coverage details, and drug plan comparisons. You can even print a copy of your Medicare card! It’s an easy way to stay on top of your benefits.
Don’t Be Afraid to Ask Questions
Medicare can be confusing, but help is available! If you need guidance, you can call 800-MEDICARE (800-633-4227) or start a live chat through your online account.
Another great resource is the State Health Insurance Assistance Program (SHIP), which offers free, unbiased Medicare advice. Find your local SHIP at shiphelp.org.
Get Support from Someone You Trust
Navigating Medicare can be overwhelming, so don’t be afraid to ask for help from a trusted family member, friend, or caregiver. Just make sure to fill out an authorization form or update your online account so Medicare has permission to share your information with them.
At MO Senior Advisors, LLC , your medicare broker company, we specialize in helping people like you make informed Medicare decisions. Our experts guide you through the enrollment process, explain your options, and find the best coverage based on your needs and budget. Whether you’re new to Medicare or looking to make changes, we’re here to help every step of the way.
For more insights, read About us.
