Medicare is a federal health insurance program primarily for people age 65 and older, as well as certain younger people who qualify because of disability or specific medical conditions.

Your Medicare enrollment timing depends on your circumstances. If you’re approaching 65, your Initial Enrollment Period generally begins three months before your 65th birthday month and continues for three months afterward.

Medicare Advantage provides Medicare benefits through a private Medicare-approved plan. Medicare Supplement insurance, also called Medigap, helps pay certain out-of-pocket costs associated with Original Medicare. They work differently, and eligibility and enrollment rules matter.

That depends on the plan. Provider networks, drug formularies, pharmacies, and cost-sharing rules vary. Review these details before selecting coverage.

You may be able to change coverage during certain enrollment periods or when qualifying circumstances apply. The available options depend on your situation and applicable rules.

Yes. A licensed Medicare agent can explain available options and help you understand differences in coverage, costs, and benefits. You remain in control of your decision.