A Simple Checklist for Getting Started
Medicare decisions go in a natural order. Working through these seven steps, one at a time, is a straightforward way to make sure nothing gets missed.
Confirm your eligibility and enrollment window
Figure out exactly when you become eligible for Medicare and what your Initial Enrollment Period is, so you don't miss a deadline or trigger a late penalty.
Check eligibility rules →Decide: Original Medicare or Medicare Advantage
This is the biggest decision most people make. Original Medicare offers broad provider access; Medicare Advantage often bundles extra benefits and caps yearly costs.
Compare the two paths →Decide if you need a Medigap plan
If you choose Original Medicare, consider whether a Medicare Supplement (Medigap) policy makes sense to help cover deductibles and coinsurance.
Learn about Medigap →Decide if you need a Part D drug plan
If you're on Original Medicare (or an Advantage plan without drug coverage), look into a standalone Part D plan so your prescriptions are covered.
Learn about Part D →Check if your doctors and pharmacies accept your choice
Before enrolling, confirm that your preferred doctors, hospitals, and pharmacies are in-network for the plan you're considering — this matters most for Medicare Advantage.
Enroll
Original Medicare (Part A and B) is handled through the Social Security Administration at ssa.gov. Medicare Advantage, Part D, and Medigap plans are purchased directly through private insurers.
See how to enroll →Mark your calendar for the Annual Enrollment Period
Each fall (October 15 – December 7), you can review your coverage and make changes for the following year. It's worth checking every year, even if you're happy with your current plan.
Learn about annual changes →