Medicare: What You Need to Know
Whether you're approaching Medicare eligibility or already enrolled, here are the most important things to understand to make the most of your coverage.
Enroll on Time
Missing your Initial Enrollment Period (the 7-month window around your 65th birthday) can result in permanent late enrollment penalties on your Part B and Part D premiums. Mark your calendar and plan ahead.
Understand What Medicare Doesn't Cover
Original Medicare does not cover most dental care, vision, hearing aids, long-term care, or most care outside the U.S. Consider a Medicare Advantage plan or supplemental coverage to fill these gaps.
Review Your Coverage Every Year
Medicare plans can change their costs, coverage, and networks each year. During the Annual Enrollment Period (October 15 – December 7), review your plan and switch if a better option is available.
Prescription Drug Coverage Matters
If you don't enroll in a Part D plan when first eligible and don't have other creditable drug coverage, you may face a late enrollment penalty for as long as you have Medicare drug coverage.
Low-Income Help Is Available
Programs like Extra Help (Low Income Subsidy) and Medicare Savings Programs can help pay for Part D premiums, deductibles, and copayments if you qualify based on income and resources.
Work with a Licensed Professional
Medicare rules are complex and change frequently. A licensed insurance professional can help you compare plans, understand your options, and avoid costly mistakes — at no cost to you.
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