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I'm about to turn 65 in March and don't know where to start about if I sign up for Medicare or not. I looked on the Medicare site and also on the AARP site and I really need to know basics. I am still working and have insurance through work right now. I may lose my job in the next 6 months as there are to be more layoffs.
Any idea about a good website to find out the basics? Would I sign up just because I turn 65 even if my work insurance is in force?
This looks like a good place to start. Looking forward to hearing from you.
I think you may have to sign up for Medicare soon to avoid a /m0. penalty that applies to later sign ups. The plan choices are daunting because Medicare does push some plans like the "advantage " plans by subsidizing the ins.co.s and their agents! We chose a medigap plan,F or J,and have had good results although it is expensive. The advantage plans are more like HMO's and have had some of the same problems I think. We both had heart problems which were fully covered and good doctor care with many tests fully covered . Good luck and keep looking.
Plan D covers drugs only and is needed if you don't have drug coverage under another plan. It too has a late signup penalty . Unfortunately you have to compare plans each year because the premiums change sometimes drastically(+100%) and you can only change near the end of each year.