Private insurance that pays your share of costs (like the 20% Part B coinsurance). You have a 6-month open enrollment period starting the month you are 65 and enrolled in Part B, where you can buy any plan regardless of health history. Part D: A standalone plan to cover prescription drugs. Option B: Medicare Advantage (Part C)
Buying Medicare insurance is a multi-step process that involves enrolling in the government program first and then deciding on private supplemental coverage. The fastest way to start is by creating a my Social Security account to enroll online. 1. Enroll in Original Medicare (Parts A & B) how to buy medicare insurance
This requires a monthly premium. It covers doctor visits and outpatient care, such as hip replacement surgery or cardiac rehab if medically necessary. 2. Choose Your Path: Medigap vs. Medicare Advantage Private insurance that pays your share of costs
Most people get this for free if they or their spouse worked and paid Medicare taxes for at least 10 years. Option B: Medicare Advantage (Part C) Buying Medicare
In 2025, Medicare Supplement premiums typically range from $32 to $550 per month .