You are automatically enrolled in Part A when you turn 65, but you must apply for Part B, and you can do so by using this online link.

No because there is a cost to Medicare part B you do not need to enroll in Part B at the same time, however if you wait to enroll you may be assessed a late penalty when you do enroll.

You can apply three months before your 65th birthday, the month of your birthday, and three months after your birthday. Also, you can sign up during the annual open enrollment period which runs from Oct. 15th to Dec. 7th each year

Typically Part D runs $40 per month, however if you wait to enroll in a part D plan when eligible, you will be charged a penalty for each month you delay

You should enroll in a Medicare Part D plan that has the best coverage for your particular prescriptions. To find out which plan is best for you, you can visit Medicare.gov at this link: https://www.medicare.gov/plan-compare/ where you can enter the names of your medications and find out which plan is best for you.

The current Part A deductible is $1340 per benefit period which covers the first 61 days of hospital confinement.

Most Medicare Advantage plans offer Zero premiums and act just like the health insurance plans that people under 65 are covered by, however Advantage plans also offer extras such as, gym memberships, discounts on hearing aids, even transportation to and from the doctor

A Medicare Supplement pays what traditional Medicare does not such as deductibles, coinsurance, etc.

An Advantage plan works just like a regular health insurance plan with co-pays for doctor visits, labs, and prescription medications.

A supplement has a monthly premium based on age and an Advantage plan typically has a zero premium.