Medicare is a federal health insurance program for people age 65 and older, and for certain younger individuals with disabilities or specific medical conditions. You can typically enroll three months before your 65th birthday, during your Initial Enrollment Period.

Medicare Advantage (Part C) plans are all-in-one alternatives to Original Medicare that often include prescription drug, dental, vision, and hearing coverage.

Medicare Supplement (Medigap) plans work alongside Original Medicare to help cover out-of-pocket costs like copayments, deductibles, and coinsurance.

Yes — it’s important to review your coverage during the Annual Enrollment Period (October 15–December 7). Plan costs, benefits, and networks can change each year, and a quick review ensures your plan still meets your needs and budget.