Too many Americans often wait too long to apply for Medicare. Even though it is automatic on turning 65, it is important to apply for it before you turn 65 and avoid any confusion or delays. The last thing you need is to find out that you should have applied earlier and now have to wait until the system gets things sorted out. Remember there are two parts to Medicare coverage, Part A and Part B.
Part A covers inpatient care in hospitals, skilled nursing home facilities, at a hospice and home health care. Part B is for medical health professional coverage, outpatient care, home care, and medical equipment. Although it is fairly decent coverage, there are gaps in it, and you will want to consider Medicare supplements to fill the holes. Talk to a local insurance agent before you hit the magic number, and find out what’s what. It will put your mind at ease.