Your Initial Enrollment Period generally lasts seven months: three months before the month you turn 65, your birthday month, and three months afterward. Certain situations have different enrollment rules.

You may be able to delay Medicare Part B without a late-enrollment penalty if you have qualifying group health coverage through current employment. Employer size and the type of coverage matter.

Medicare Advantage is a private-plan alternative to receiving Part A and Part B benefits through Original Medicare. Medigap helps pay certain out-of-pocket costs when you have Original Medicare. They cannot be used together.

Part D provides outpatient prescription drug coverage through private Medicare-approved plans. Whether to enroll depends in part on your existing drug coverage and whether it is creditable.

Yes. An independent Medicare insurance agent can explain enrollment timelines, Medicare Advantage, Medigap, and prescription drug coverage so you can better understand available options.