You are eligible for Medicare during a span of 6 months, 3 months prior to and 3 months after your 65th birthday. This is your initial enrollment period during which any pre-existing health conditions cannot affect your application. You will be able to change your plan in subsequent years during the annual enrollment period, but any health issues you may have will be considered and could increase your monthly premium.

Depending on the plan you choose, you may have a $0 monthly premium or a monthly cost to consider. Medicare Part B costs are deducted automatically from your social security payments if you take your Social Security Benefits, costs for Part B or Advantage plans (Part C) can be requested to be deducted from social security as well or be paid by bank draft.

This is based on a tier system and depends on how many prescriptions you take, how often, whether generic or brand name is necessary, and the pricing tier of the pharmaceutical company. Make a list of medications and bring it in with you so we can discuss options.

Anytime between the age of 64 and 64 ½ to begin looking at your options.

Since Medicare Supplements are bought from private insurers, you pay the insurance carrier for them directly.

No. You can only purchase them to supplement coverage to Original Medicare.

No. Policies are for individuals only. You and your spouse will have separate policies.