Original Medicare vs. Medicare Advantage
Original Medicare (Parts A + B) gives you the freedom to see any doctor or hospital that accepts Medicare, anywhere in the country. Medicare Advantage (Part C) bundles all benefits into one plan, often with additional coverage like dental and vision, but requires using in-network providers. About 50% of Medicare beneficiaries now choose Advantage plans. The right choice depends on your healthcare needs, preferred providers, and how much you travel.
When to Enroll in Medicare
Your Initial Enrollment Period (IEP) is the 7-month window around your 65th birthday (3 months before, your birthday month, and 3 months after). If you miss this window, you may face late enrollment penalties -- a 10% premium increase for Part B for each full 12-month period you could have enrolled but did not. If you have employer coverage, you may qualify for a Special Enrollment Period when that coverage ends.