Most people first enroll during their Initial Enrollment Period, which starts three months before the month you turn 65 and ends three months after. There are also Annual Enrollment Periods and Special Enrollment Periods for certain life changes.

• Part A covers hospital stays and some skilled nursing care.
• Part B covers doctor visits, outpatient services, and preventive care.
• Part C (Medicare Advantage) bundles Parts A and B (and often Part D) through private plans.
• Part D provides prescription drug coverage.

Maybe. If you have employer coverage, you may be able to delay Part B without penalty. It depends on your company size and plan.

Original Medicare is administered by the federal government and allows you to see any provider that accepts Medicare. Medicare Advantage plans are offered by private insurers and may include extra benefits like dental, vision, or prescription coverage.

Yes. If you miss your Initial Enrollment Period and don’t qualify for a Special Enrollment Period, you could pay higher premiums for Part B or Part D for as long as you have coverage.

Not under Original Medicare (Parts A & B). You need a standalone Part D plan or a Medicare Advantage plan that includes drug coverage.

Yes. Premiums, deductibles, and co-insurance still apply. Many people add a Medicare Supplement (Medigap) policy to help pay those expenses.

Absolutely. Each year during Open Enrollment (Oct 15–Dec 7), you can switch from Original Medicare to Advantage, change Advantage plans, or add/drop Part D.

Michele can explain your options, compare plan benefits and costs, and guide you through enrollment to ensure you choose coverage that fits your healthcare needs and budget.