Answers to the questions people actually ask.
Every answer is written in plain English, with tips and common mistakes.
How much does Medicare cost?
Most people pay nothing for Part A. In 2025, Part B is $185/month for most people. Part D and Medigap plans have their own premiums.
When do I enroll in Medicare?
Your Initial Enrollment Period is a 7-month window: the 3 months before your 65th birthday month, your birthday month, and the 3 months after.
Can I keep my doctor on Medicare?
With Original Medicare (Parts A and B), you can see any provider that accepts Medicare — about 98% of doctors. With Medicare Advantage, you're limited to the plan's network.
Can I work and still have Medicare?
Yes. Many people keep working past 65 and can either enroll in Medicare or delay it, depending on their employer's health plan.
What is IRMAA?
IRMAA is an extra amount higher-income people pay for Part B and Part D. It's based on your tax return from 2 years ago.
What happens if I miss my Medicare enrollment window?
You may face permanent late-enrollment penalties added to your Part B and Part D premiums for life, and coverage gaps until the next enrollment period.
Do I need Part D drug coverage?
If you take any prescriptions — or might in the future — yes. Even if you take nothing today, enrolling avoids a lifelong penalty.
Should I choose Medigap or Medicare Advantage?
Medigap costs more monthly but covers most out-of-pocket expenses and lets you see any Medicare provider. Advantage is often $0 premium but uses networks and has copays.
How do Medigap plans work?
Medigap is private supplemental insurance that pays what Original Medicare doesn't — deductibles, copays, and coinsurance.
Does COBRA count as creditable coverage?
No. COBRA does not count as creditable coverage for Medicare Part B. If you rely only on COBRA past 65, you'll owe late-enrollment penalties.
Can I change my plan later?
Yes — during Annual Enrollment (Oct 15 – Dec 7), the Medicare Advantage Open Enrollment Period (Jan 1 – Mar 31), or after a qualifying life event.
Will Medicare cover hearing aids?
Original Medicare does not cover hearing aids or routine hearing exams. Many Medicare Advantage plans include a hearing benefit.