Get More From Medicare: Helpful Explanations for Your Next Enrollment
Answers to Top Questions from Medicare Newbies
Reviewed by: Shikita Nunnery, Licensed Insurance Agent. Written by: Aaron Garcia.
Original Medicare (Parts A and B)Original Medicare (Parts A and B) is fee-for-service health insurance available to all Americans aged 65 and older and some individuals with disabilities. Original Medicare is provided by the federal government and is made up of two parts: Part A (hospital insurance) and Part B (medical insurance)., Medicare AdvantageMedicare Advantage is health insurance for Americans aged 65 and older that blends Medicare benefits with private health insurance. This typically includes a bundle of Original Medicare (Parts A and B) and Medicare Prescription Drug Plan (Part D)., Medicare Prescription Drug Plan Part DMedicare Prescription Drug Plan (Part D) is prescription drug coverage for people enrolled in Medicare. Part D is optional and is offered by private insurance companies., and Medicare Supplement Insurance (Medigap)Medicare Supplement Insurance (Medigap) are policies designed to provide coverage that Original Medicare (Parts A and B) do not. Medigap policies are purchased in addition to Original Medicare and have their own monthly premiums you'll need to pay. are all health insurance for Americans aged 65 and older.
Most people must enroll in Medicare the year they turn 65; automatic enrollment is uncommon.
There are significant differences between the different forms of Medicare, including cost, coverage and enrollment.
New to Medicare? Trying to make sense of what’s covered, what it costs, how to enroll — or all three? You’re not alone. Medicare is a complicated process, and mistakes can be costly. To help, here’s a list of some of the most common questions for our licensed insurance agents, and more importantly, here are the answers.
Is Medicare the same as health insurance?
Medicare aims to provide the same basic care as the job-based or private health insurance you’ve had in the past — but it’s only for Americans aged 65 and older.
What is Original Medicare?
Original Medicare has two parts: Part A (hospital insurance) and Part B (medical insurance). It’s only available to Americans aged 65 and older and some Americans younger than 65 with disabilities. It is administered by the Social Security Administration and managed by the Centers for Medicare and Medicaid Services (CMS). Patients with Original Medicare can see any healthcare provider that accepts Medicare.
What is Medicare Advantage?
Medicare Advantage is health insurance that blends Medicare’s Part A and B benefits with a private policy. For Americans 65 and older, Medicare Advantage typically includes prescription drug coverage. Medicare Advantage enrollees usually need to stay within a specific provider network but benefit from out-of-pocket maximums to keep their costs down.
What is Medicare Supplement Insurance (Medigap)?
What is the Medicare Prescription Drug Plan (Part D)
Medicare Prescription Drug Plan (Part D) is prescription drug coverage for people enrolled in Medicare. Part D is optional for Original Medicare, and most Medicare Advantage plans include Part D.
Is Medicaid the same as Medicare?
No. Medicaid helps low-income Americans with some of their medical bills, while Medicare is health insurance available to all Americans aged 65 and older. Medicaid and Medicare may work together in instances when a patient is considered dual-eligible.
Am I automatically enrolled in Medicare?
Is enrollment mandatory?
No, you are not required to have health insurance of any kind. However, not enrolling in Medicare can result in stiff enrollment penalties if you decide to enroll later.
How long before you turn 65 do you need to sign up for Medicare?
How do I enroll?
- Original Medicare Parts A and B: You can enroll with the Social Security Administration online,  over the phone (SSA’s Medicare phone number: 1-800-772-1213) or in-person at a nearby office. 
- Medicare Advantage, Part D and Medigap: One way is to visit each of the different government sites to shop all the available plans in your area, and then examine how they stack up with your needs. Page by page. Instead, many enrollees choose to contact a licensed agent, like those at GoHealth, for impartial guidance and advice. They’ll go through your options and make sure your new policy works for you.
Do you need a birth certificate to apply for Medicare?
You will need to be able to provide proof of your age and that you are a U.S. citizen if you are enrolling in Medicare, so a birth certificate is a helpful document, but isn’t the only one you can use. Other documents like a driver’s license or medical or school records can help establish your age.
Is my choice permanent?
No. You can enroll in or switch your Medicare Advantage plan and Part D plan each year during the Open Enrollment Period, also called the Annual Enrollment Period, from Oct. 15 to Dec. 7. Suppose you want to drop your Medicare Advantage plan and enroll in Original Medicare. In that case, you can do so during the Medicare Advantage Open Enrollment Period each year from Jan. 1 to March 31.
Beware: The decision to not purchase Medigap during your Initial Enrollment Period can be permanent; if you miss your IEP, you may have to undergo medical underwriting. In this case, the health insurance company may be able to deny you coverage because of a pre-existing condition.
Is there a penalty for missing your Initial Enrollment Period?
Yes. Medicare Part A, Medicare Part B and Prescription Drug Plan (Part D) each have their enrollment penalties if you miss your Initial Enrollment Period.
- Part A: You’ll pay a two-year, 10% increase to your monthly premium for each year you weren’t enrolled in Part A.
- Part B: For every 12-month period you delay enrollment, your monthly premium goes up 10%. This is a lifetime penalty.
- Part D: If you go more than 63 days past your IEP without drug coverage, your Part D premium will increase 1% each month you’re not enrolled in a plan.
What if I’m still working when I turn 65?
If you have a job-based plan when you turn 65, it may be possible to delay your enrollment until you lose that coverage, voluntarily or involuntarily. You may be able to enroll when you’re ready, without penalty, if you can prove you had group health insurance that was considered creditable coverage during the time you didn’t enroll in Medicare.
Is Medicare free?
How much does Medicare cost?
How much your Medicare will cost each year depends on many things, including your needs, work history and even income. This is true of Original Medicare, Medicare Advantage, Medicare Prescription drug Plan (Part D) and Medicare Supplement Insurance (Medigap). Make sure to understand the typical health insurance cost terms you’ll need to know, as well as any standard payment amounts you should expect.
What if I can’t afford Medicare?
What is a Part D donut hole?
Part D, or Medicare Prescription Drug Plan, has a coverage gap called a “donut hole.” Once you receive a certain amount of benefits from your plan in a year ($4,130 in 2021  ), your payments may increase. Instead of paying a co-payment for your medications, you’ll pay as much as 25% of the reasonable drug price. You may also have other fees to pay once you enter the donut hole.
Does Medicare cover everything?
Not on its own. Original Medicare is made up of Part A (hospital coverage) and Part B (medical coverage). You’ll need to purchase Medicare Prescription Drug Plan (Part D) if you need medications, which will be a separate policy with separate costs. And while Original Medicare will provide you with the essential benefits you need, it may leave you with high out-of-pocket costs when you receive treatment. To help, there may be Medigap plans in your area that can help.
Medicare Advantage plans bundle many of these services together through private insurance companies to offer fairly comprehensive coverage options. But as with Original Medicare, there will still be gaps. Neither plan, for example, covers long-term care. Also, all services must be approved, which means cosmetic surgeries may not be covered.
Does every doctor accept Medicare?
No. Make sure to verify your doctor’s office accepts Medicare when scheduling any appointments. It also pays to ask the office which costs you should expect to pay during your visit.
Does my Medicare cover my spouse?
No. Medicare is an individual form of health insurance. You and your spouse will each have a separate Medicare policy. Being married does affect your Medicare coverage. Your joint income determines costs such as your premiums for Medicare Part B and Part D. You or your spouse may also be able to delay enrollment if you’re on the other’s group policy when you turn 65.