Get the latest information and tips on making the most of your Medicare benefits.

Navigating Medicare can be complex, but with the right information and resources, you can make informed decisions about your healthcare. Here’s a comprehensive guide to help you understand Medicare, when to start thinking about it, how to get prepared, where to sign up, what steps to take, and where to get help.
When to Start Thinking About Medicare
You should start thinking about Medicare at least three months before your 65th birthday. This allows you to understand the different parts of Medicare and decide which coverage options best meet your needs.
Getting Prepared
Preparation involves gathering necessary documents and understanding your eligibility. You will need:
Your Social Security number
Proof of U.S. citizenship or legal residency
Where to Sign Up
You can sign up for Medicare through the Social Security Administration's website or by visiting your local Social Security office.
Steps to Take
Understand the Parts of Medicare:
Part A: Hospital Insurance
Part B: Medical Insurance
Part C: Medicare Advantage Plans
Part D: Prescription Drug Coverage
Enroll During Initial Enrollment Period (IEP):
This is the seven-month period that begins three months before your 65th birthday, includes your birth month, and ends three months after.
Consider Medigap:
Medigap policies help pay for costs not covered by Original Medicare.
Review Your Prescription Drug Plan (Part D):
Ensure your medications are covered and compare costs between plans.
Explore Medicare Advantage Plans (Part C):
These plans offer additional benefits and may have lower out-of-pocket costs.
Other Tips to Consider
Late Enrollment Penalties: If you don’t sign up for Medicare Part B or Part D when first eligible, you may face late enrollment penalties. Enroll on time to avoid higher costs.
Employer Coverage Coordination: If you’re still working and have employer coverage, understand how it coordinates with Medicare. You may not need to sign up for Part B immediately.
Annual Plan Review: Medicare plans can change yearly. Review your plan during the Annual Enrollment Period (AEP) to ensure it still meets your needs.
Out-of-Pocket Costs: Understand your out-of-pocket costs, including deductibles, copayments, and coinsurance. Plan accordingly to manage these expenses.
State Health Insurance Assistance Program (SHIP): SHIP offers free, unbiased counseling to help you navigate Medicare. Take advantage of this resource for personalized assistance.
Where to Get Help
Medicare.gov: Official site for Medicare information and enrollment.
Senior Resources, Eastern CT's AAA: Provides local assistance and counseling to help you navigate Medicare.
SHIP (State Health Insurance Assistance Program): Provides free counseling and assistance.
Social Security Administration: For Medicare eligibility and enrollment.
AARP: Offers extensive resources and guides on Medicare.
Additional Resources
Medicare & You Handbook: Official Medicare handbook with comprehensive information.
Medicare Plan Finder: Compare Medicare Advantage and Part D plans.
Understanding and navigating Medicare can ensure you receive the healthcare benefits you need. Use these resources to make the most of your Medicare coverage.