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There are three ways to enroll in Medicare. Visit the Social Security websiteCall Social SecuritySchedule an appointment at the Social Security office in your hometown But don't stop there. Once you have enrolled through Social Security for original Medicare, call Richard L. Miller for further guidance.

Part A is hospital coverage, part B is medical/doctor coverage, part C is a private medicare plan that pays for the same services that parts A and B provide, and part D is prescription coverage. Parts A and B are also known as original Medicare.

Both types of plans pay for Medicare approved services, but in different ways. Generally, supplements have higher premiums, but less out-of-pocket costs. Advantage plans may have lower premiums, but more out-of-pocket costs. See the sections of the website regarding supplements and advantage plans for greater detail.

Medicare does not cover oral prescriptions. Prescriptions coverage is usually provided by private plans that are either stand-alone, with or without a supplement, or part of an advantage plan. Medicare may pay for some injectable drugs in limited circumstances such as when a drug cannot be self-administered.

Part A is premium free for most enrollee's provided they or their spouse worked at least 10 years or 40 quarters in their lifetime, however for the few that don't have enough work history the premium is $240-$437 (2019). The part B premium is $135.50 (2019) for most enrollees. You may pay less based on low income thresholds or more (means-testing) for higher incomes. Medicare parts C and D are private plans therefore the premium depends on the specific plan. Part D plans are also subject to both lower and higher income tests.