A starting point. Confirm details that depend on your eligibility, location, or coverage.
Questions are a good place to begin.
When should I start preparing for Medicare?
Many people begin several months before turning 65 so they have time to understand enrollment timing and gather information. Your situation may differ if you have employer coverage or qualify for Medicare another way.
Does Original Medicare include prescription drug coverage?
Original Medicare generally does not cover most outpatient prescriptions. Coverage may be available through a standalone Part D plan or through certain Medicare Advantage plans.
Can I keep my doctors?
That depends on the coverage. With Original Medicare, providers must accept Medicare. Medicare Advantage plans may use networks, so confirm each provider before enrolling.
What is the difference between Medicare Advantage and Medigap?
Medicare Advantage is another way to receive Medicare benefits through a private plan. Medigap works alongside Original Medicare to help with certain out-of-pocket costs. They are different paths and are not used together.
Can coverage and costs change?
Premiums, benefits, provider networks, formularies, and other details can change. Review the plan’s current materials and notices before making a decision.
Where can I get help with Medicare costs?
Programs may be available based on income and resources. Medicare, Social Security, and your State Health Insurance Assistance Program can provide eligibility information.
A short Medicare glossary.
Simplified starting points. Plan documents and official Medicare materials provide complete details.
- Premium
- The amount you may pay regularly to maintain coverage.
- Deductible
- The amount you may pay for covered care before coverage begins paying under its rules.
- Copayment
- A fixed amount you may pay for a covered service or prescription.
- Coinsurance
- A percentage of the cost you may pay for a covered service.
- Formulary
- A plan’s list of covered prescription drugs and their coverage levels.
- Provider network
- The doctors, hospitals, pharmacies, and other providers that contract with a plan.
Go directly to trusted public resources.
These organizations provide complete, unbiased information about all of your options.
Medicare.gov
Coverage, enrollment, plans, and costs. 1-800-MEDICARE (TTY 1-877-486-2048).
Visit Medicare.govContact preferences and appointment forms.
These forms serve different purposes. Submitting either form does not enroll you in a plan.