Turning 65? Start with enrollment — the deadlines cost real money to miss.
Two things to settle first.
Your window opens three months before your birthday and closes three months after. Miss it and a Part B penalty stays on your premium for life.
See the enrollment stepsAdvantage plans in your county, with real premiums, star ratings and out-of-pocket maximums.
Compare plans
The one real decision. Neither is automatically better.
Any doctor who accepts Medicare, anywhere in the country. No cap on what you pay without a supplement.
Read the guideA private all-in-one plan, usually with drug coverage and extras. Low premium, but you use a network.
Read the guidePays the deductibles and coinsurance Original Medicare leaves behind. Costs more monthly, far fewer surprises.
Read the guide
The letters tell you nothing. Here is what each pays for.
Inpatient stays, skilled nursing, hospice. Most people pay no premium.
Read the guideAppointments, outpatient care, lab work, equipment. This is the part with the late penalty.
Read the guideNot an addition. A private plan that replaces Parts A and B.
Read the guideDrug coverage, standalone or bundled. Waiting creates a penalty that grows.
Read the guide