If you're new to Medicare, your initial enrollment period is from three months before your 65th birthday to three months after. After enrolling, you will have three additional periods—Annual Enrollment Period (AEP), Open Enrollment Period (OEP), and Special Enrollment Period (SEP)—to make changes to your plan. Contact your Medicare Advisor for more detailed information on these options.

• Original Medicare is a federal program that provides hospital (Part A) and medical (Part B) insurance.
• Medicare Advantage is a private insurance plan that bundles both hospital and medical coverage. These plans often include additional benefits such as dental, vision, and other healthcare services not covered by Original Medicare.

Many Medicare Advantage plans offer $0 premiums and little to no deductible, making them an affordable option for many beneficiaries. However, coverage and costs can vary by plan, so it's important to review the details of each plan to understand any potential out-of-pocket expenses.

No, you are entitled to make changes to your Medicare plan based on specific times of the year or life events, such as moving to a different state. To learn more about when and how you can make changes, contact your Medicare Advisor for personalized guidance.