Medicare will send you a "Welcome to Medicare" packet three months before you turn 65. If you already get benefits from Social Security, you will receive Original Medicare automatically when you first become eligible.To sign up for either Part A or Part B or both (Original Medicare) If you want Medicare Part D drug coverage, you need to join a Medicare plan that offers it. These plans can have different costs and types of drugs that are covered. However, it’s important to note that if you decide not to get Medicare drug coverage when you're first eligible and then you choose to join later, you'll most likely pay a late enrollment penalty. This Medicare prescription drug coverage benefit is offered to everyone who has Medicare, but you can choose not to sign up for it. And whichever type of Medicare Advantage plan you have, you're always covered for emergency care and urgent care. Other things to keep in mind: Even if you’re in a Medicare Advantage plan, Original Medicare will still cover hospice care costs and certain new Medicare benefits. Most of the time you'll need to use doctors who are in the plan's network. Part C plans may have lower out-of-pocket costs than Original Medicare. Wellness programs such as gym memberships.Most Medicare Advantage plans offer prescription drug coverage and also help cover things that Original Medicare doesn’t, including: If you enroll in a Medicare Advantage plan, most of your Medicare services will be covered through that plan. Preferred provider organizations (PPOs).Health maintenance organizations (HMOs).Different types of plans fall under the umbrella of Medicare Advantage and include: The private health plan company contracts with Medicare to provide you with all of your Part A and B benefits. Think of it as an all-in-one option over and above Original Medicare - meaning, “bundled" plans that include Part A, Part B and usually D. In other words, it’s not provided through the government, like Original Medicare is. ![]() This type of Medicare health plan is offered by private insurance companies that are approved by Medicare. Part C is most often called Medicare Advantage. Most people pay a monthly premium and a yearly deductible for Part B. Part B helps pay for covered services and supplies such as physical and occupational therapists and some home health care. ![]() Part B also covers other health care services that Part A doesn't.
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