Medicare is health insurance for people 65 or older. You’re first eligible to sign up for Medicare 3 months before you turn 65. You may be eligible to get Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD), or ALS (also called Lou Gehrig’s disease). Generally, you only need to sign up for Part A and Part B once. Each year, you can choose which way you get your health coverage (and add or switch drug coverage).
Medicare is different from private insurance — it doesn’t offer plans for couples or families. You don’t have to make the same choice as your spouse.
2 steps to set up your Medicare coverage:
Sign up for Part A (Hospital Insurance) and Part B (Medical Insurance) You can sign up at certain times.
Choose which way you want to get your Medicare health coverage.
You can choose either Original Medicare or Medicare Advantage (Part C) for your health coverage.
If you choose Original Medicare, you’ll also decide if you want drug coverage (Part D) and supplemental coverage, like Medigap (separately).
Speak with a Licensed Agent
Have a licensed insurance agent contact you to answer any questions you may have, or help you enroll in a health plan.