A: If you are still working and have health insurance through your employer, you may not need to enroll in Medicare right away. However, you should consider enrolling in Medicare Part A, which is usually premium-free, and coordinate with your employer's health insurance. It’s important to understand how your employer’s coverage works with Medicare.

A: Medicare has four parts: Part A (Hospital Insurance), Part B (Medical Insurance), Part C (Medicare Advantage Plans), and Part D (Prescription Drug Coverage).

A: You can enroll in Medicare through the Social Security Administration (SSA) during your Initial Enrollment Period, which starts three months before you turn 65 and ends three months after the month you turn 65.

A: Costs vary depending on the coverage you choose. Part A is usually premium-free if you or your spouse paid Medicare taxes while working. Part B has a standard monthly premium, and costs for Part C and Part D vary by plan.

A: Medicare covers a range of services, including hospital stays, doctor visits, preventive services, and prescription drugs, depending on the parts of Medicare you have.

A: Creditable coverage is health insurance that meets or exceeds the minimum requirements set by Medicare. For Part D, this means that the prescription drug coverage is expected to pay, on average, as much as the standard Medicare prescription drug coverage.

A: Original Medicare includes Part A and Part B and allows you to choose any doctor or hospital that accepts Medicare. Medicare Advantage (Part C) plans are offered by private companies and include all benefits and services covered under Parts A and B, and often Part D, plus extra benefits.

A: Choosing a plan depends on your health needs and budget. Consider factors like coverage options, costs, and whether your doctors and hospitals are in-network.

A: There are programs to help with Medicare costs, such as Medicaid, Medicare Savings Programs, and Extra Help with prescription drug costs.

A: You can use the Medicare website's "Find & Compare" tool to search for doctors, hospitals, and other providers that accept Medicare.