Do I have to change plans every year? No. You don’t need to change if your current coverage still meets your needs. Each fall, review your Annual Notice of Change to see if premiums, benefits, or networks are changing.

What’s the difference between Original Medicare, Medigap, and Medicare Advantage? Original Medicare is run by the federal government (Parts A & B). You can add a Medigap policy to help with deductibles and coinsurance, plus a standalone Part D drug plan. Medicare Advantage (Part C) plans, offered by private insurers, combine Parts A and B—often with Part D and some extra benefits.

Do I need Part D if I have Medigap? Yes. Medigap plans do not include prescription coverage, so you’ll want a separate Part D plan.

Can I keep my doctor? With Original Medicare/Medigap, you can see any provider who accepts Medicare. Medicare Advantage plans use networks (HMO/PPO), so check providers before enrolling.

When can I enroll or make changes? Most people enroll during their Initial Enrollment Period around age 65. You can change Medicare Advantage or Part D plans each year during the Annual Enrollment Period (Oct 15–Dec 7); other windows like the MA Open Enrollment Period and Special Enrollment Periods may apply.

Will Medicare cover dental, vision, or hearing? Original Medicare generally does not cover routine dental, vision, or hearing. Some Medicare Advantage plans include limited coverage for these services.

How do I avoid penalties? Enroll in Part B and Part D when you’re first eligible (or when employer coverage ends), and maintain creditable drug coverage to avoid late-enrollment penalties.