1.     When should I sign up for Medicare?
– What’s the timeline for enrollment, and can I be penalized for signing up late?

2.     What’s the difference between Medicare Part A, Part B, Part C, and Part D?
– What do each of the parts cover, and which ones do I need?

3.     Do I automatically get enrolled at 65?
– What happens if I’m still working or receiving Social Security?

4.     Will Medicare cover all of my medical expenses?
– What are the out-of-pocket costs (deductibles, co-pays, coinsurance)?

5.     Do I need a Medicare Supplement (Medigap) plan?
– What’s the difference between Medigap and Medicare Advantage?

6.     What is the cost of Medicare?
– How much will I pay monthly for Part B, Part D, or Advantage plans?

7.     Can I keep my current doctor or provider?
– Will they accept Medicare or the plan I choose?

8.     How do I enroll in a Medicare drug plan (Part D)?
– What if I already have prescription drug coverage?

9.     What if I’m still working and have employer coverage?
– Should I delay Medicare, and how do they coordinate?

10.  Can I change my Medicare plan later?
– When are the enrollment periods for switching or adjusting coverage?