Now is the time to start thinking about enrolling in Medicare, the federal health insurance program that helps tens of millions of older adults and younger people with disabilities pay for their health care. You can start exploring your Medicare options in your early 60s, but you should look more closely as soon as you turn 64. Here are some areas to explore before enrolling in Medicare:

1. Explore your Medicare Options:
   1. You might opt for original Medicare, also known as traditional Medicare, which includes Part A hospitalization coverage and Part B doctor and outpatient services. Many people who have original Medicare purchase Part D prescription drug coverage and a supplemental Medigap policy, which can help pay some of your out-of-pocket costs, such as deductibles, copayments and other expenses.
   2. Another option is to sign up for a Medicare Advantage plan, which includes parts A and B and usually Part D. 
2. Learn about programs that could help you afford Medicare premiums and out-of-pocket costs: Before age 65 is also a good time to learn about programs that could help you afford Medicare premiums and out-of-pocket costs and provide extra help to pay for Part D coverage. 
3. Consider your health care needs: Consider your health care needs and how they might change in the future. You might want to consider a Medicare Advantage plan if you need more coverage than original Medicare provides. 
4. Compare plans: Compare plans in your area to find the one that best suits your needs. 

Remember, you can enroll only at certain times. If you sign up late, you could end up with gaps in coverage and costly penalties for the rest of your life. We are here at Kempel Agency MEDICARE SOLUTIONS to assist you in doing your homework and making informed decisions about your health care coverage. Do not hesitate to call us at (815) 801-7010. We Make Medicare Easy!