Health Insurance For Seniors Over 65

Your Initial Enrollment Period (IEP) for Medicare typically begins three months before your 65th birthday month, includes your birthday month, and ends three months after. Enrolling during this period helps avoid late enrollment penalties.

Medigap (Medicare Supplement Insurance) works alongside Original Medicare (Parts A & B) to cover out-of-pocket costs. Medicare Advantage (Part C) is an alternative to Original Medicare, offering bundled coverage often including prescription drugs, vision, and dental, provided by private insurers.

While you may not need it now, it's advisable to consider Medicare Part D. If you decline it when first eligible and later decide you need it, you may face a late enrollment penalty. You can re-evaluate your need annually during the Open Enrollment Period.