Medicare Readiness Quiz — How Prepared Are You for Medicare?

Not always. If you have qualifying employer coverage from a current job, you may be able to delay Part B without penalty. COBRA, retiree plans, and marketplace plans do NOT count as qualifying coverage — staying on those past 65 can trigger lifetime late-enrollment penalties. The right answer depends on your specific situation; we can walk through it on a 15-minute call.

Your Initial Enrollment Period begins three months before the month you turn 65 and ends three months after. We recommend starting six to twelve months ahead so you have time to compare plans without feeling rushed.

Often yes — but it depends on which plan type you choose. With Original Medicare plus a Medigap policy, you can see any doctor that accepts Medicare. With a Medicare Advantage plan, you'll typically need to use the plan's network. Before recommending a plan, we verify your specific doctors and prescriptions against the plan's network and formulary so there are no surprises after enrollment.

Your answers are used only to personalize your readiness summary and any follow-up guidance from a licensed AdviseCare advisor. We never sell or share your information with third-party marketers.

Medicare Advantage (Part C) bundles Parts A, B, and usually D into a single private plan, often with extra benefits like dental and vision. Medigap is a supplemental policy that pairs with Original Medicare and helps cover deductibles, copays, and coinsurance. Each has different cost and flexibility trade-offs, and the right answer depends on your doctors, medications, and budget.