Medicare Decisions and PlanningAs you near age 65, you need to learn about Medicare coverage choices and make several important enrollment decisions.
Review the “Deciding Whether to Enroll in Medicare Part A and Part B When You Turn 65” fact sheet to help you determine the dates for your Initial Enrollment Period.
You can also use the Medicare Eligibility and Premium Calculator to determine your Initial Enrollment Period. Visit Medicare.gov/eligibilitypremiumcalc/ or call 1-800-MEDICARE (1-800-633-4227 or TTY 1-877-486-2048).
People with both Part A and Part B have options for their Medicare coverage. Some people choose Medicare Advantage Plans (such as HMOs and PPOs) for their Medicare coverage. Others choose to purchase Medicare supplement insurance (also known as a Medigap policy). You must have both Part A and Part B to get these types of coverage.
Most people who are still working and have employer coverage do NOT need these types of coverage. If you don’t have coverage from a current employer, you can learn more about Medicare Advantage Plans and Medigap policies by visiting Medicare.gov or calling 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.
Medicare prescription drug coverage is offered only through private companies. If you want Part D coverage, you must choose a plan.
To learn more about Medicare prescription drug coverage, you can visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.