Medicare is broken down into different parts (Part A, B, C and D). Each part covers different services.

You have the choice to enroll in different parts of Medicare depending on your health care needs. If you have regular prescription drug costs, you may consider a Part D plan. Also, you may consider whether you need Part B if you or your spouse are still working and receive health insurance through the employer.

However, it is important to note that if you do not sign up for Medicare Part B when you are first eligible, you may have a delay in getting Medicare coverage and may have to pay a late enrollment fee.

Signing up for Medicare

You have a seven-month period to sign up for Medicare Part A and/or Part B. The time period starts three months before you turn 65, includes the month you turn 65 and ends three months after the month you turn 65. If you do not sign up for Medicare Part B when you are first eligible, you may have a delay getting Medicare coverage in the future.

Get Help Choosing a Plan

If you need help signing up for Medicare or understanding what plan may be best for you:

• Visit Medicare.gov to learn more about Medicare.
• Use the Medicare Plan Finder to find the plan that is best for you.
• Call 1-800-MEDICARE (1-800-633-4227) to talk to a customer service representative.
• Get free help signing up for Medicare from your State Health Insurance Assistance Program (SHIP).

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