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Medicare 101
Medicare can feel confusing, but it doesn't have to be. Here's a simple breakdown of the four parts — A, B, C, and D — and how they work together.
Signing
up for
Medicare
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Already on Social Security/RRB?
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Parts A & B may start automatically.
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Not taking Social Security yet?
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Enroll through Social Security during your 7-month Initial Enrollment Period (IEP) around your 65th birthday.
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Still working with employer coverage?
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You may delay Part B if it’s creditable—confirm with HR/insurer to avoid penalties.
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Missed your IEP?
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Use the General Enrollment Period (Jan 1–Mar 31);
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Coverage usually begins the 1st of the month after you enroll.
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Under 65 with a disability?
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Different timelines apply (SSDI, ALS, ESRD).
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Medicare Advantage/Part D:Compare during IEP;
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MA Open Enrollment (Jan 1–Mar 31) lets MA members make one change.
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