5 important facts:

1. Some people get Medicare automatically, and some have to sign up. You may have to sign up if you’re 65 (or almost 65) and not getting Social Security.

2. There are certain times of the year when you can sign up or change how you get your coverage.

3. If you sign up for Medicare Part B when you’re first eligible, you can avoid a penalty.

4. You can choose how you get your Medicare coverage.

5. You may be able to get help with your Medicare costs.

Medicare Advantage (also known as Part C)

• Medicare Advantage is an “all in one” alternative to Original Medicare. These “bundled” plans include Part A, Part B, and usually Part D.

• Plans may have lower out-of-pocket costs than Original Medicare.

• In many cases, you’ll need to use doctors and other providers who are in the plan’s network and service area for the lowest costs.

• Most plans offer extra benefits that Original Medicare doesn’t cover—like vision, hearing, dental, and more.

Learn more about how Medicare Advantage Plans work.