Medicare Frequently Asked Questions

  • I’m turning 65 this year and I plan to retire. When can I sign up for Medicare?

    Up to 3 months before your 65th birthday, during your birthday month, or up to 3 months after.

  • How do I enroll in Medicare?

    Online at the Social Security website, by phone, or at your local SSA office.

  • What if I miss my Medicare enrollment period?

    You may face penalties and have to wait until the General Enrollment Period (Jan–Mar) for coverage to start in July.

  • Do I need to enroll in both Part A and Part B?

    Part A is usually free; Part B has a premium. You can delay Part B if you have employer coverage, but late enrollment may mean penalties.

  • What does “creditable coverage” mean?

    Coverage as good as Medicare’s standard plan (like employer insurance) that lets you delay Medicare without penalties.

  • Can I keep my employer health insurance once I’m on Medicare?

    Often yes, depending on your employer’s rules. Check with HR.

  • If I have retiree benefits, do I still need Medicare?

    Yes. Medicare usually pays first, retiree benefits act as secondary coverage.

  • Can my dependent spouse be added to my Medicare plan?

    No. Medicare is individual; your spouse must qualify on their own.

  • Can I rely on just Original Medicare (Parts A + B)?

    Yes, but it doesn’t cover prescriptions, dental, vision, or hearing. Many add Part D, Advantage, or Supplement plans.

  • What is Part D?

    Prescription drug coverage offered by private insurers.

  • What is Part C (Medicare Advantage)?

    A bundled plan combining Parts A, B, usually D, plus extras like dental or vision.

  • Will I be able to keep all my doctors under Medicare?

    With Original Medicare, yes if they accept it. Advantage plans may require network doctors.

  • Does Medicare cover long-term nursing home care?

    No. It only covers short-term skilled care after a hospital stay.

  • Can I have both a Medicare Advantage Plan and a Medicare Supplement Plan?

    No. You must choose one or the other.

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