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Medicare is a federal health insurance program primarily designed for people age 65 and older. Some individuals under 65 may also qualify if they have certain disabilities or conditions such as End-Stage Renal Disease or ALS.

Most people should enroll during their Initial Enrollment Period, which begins three months before the month they turn 65 and lasts for seven months. Enrolling on time helps you avoid potential late enrollment penalties and ensures your coverage starts when you need it.

Many people qualify for premium-free Part A, but most beneficiaries pay a monthly premium for Part B along with deductibles and coinsurance. Costs can vary depending on income and the specific coverage options you choose.

Prescription drugs are typically covered through Medicare Part D or through a Medicare Advantage plan that includes drug coverage. Each plan has its own list of covered medications and costs.

Medigap (Medicare Supplement Insurance) helps pay for out-of-pocket costs that Original Medicare does not cover, such as copayments, coinsurance, and deductibles. These plans are offered by private insurance companies.

Yes. Each year, Medicare Open Enrollment runs from October 15 through December 7, allowing beneficiaries to review and change their coverage if their needs or medications change.