Article:
If you’re planning to retire soon, Medicare should be part of your conversation — just like Social Security and pensions.
Even if you retire later, you can sign up for Medicare at 65 to avoid late penalties. That’s your Initial Enrollment Period.
Most people get Part A for free, but Part B and Part D come with monthly premiums. You may also want Medigap or Medicare Advantage for more complete coverage.
If you’re still working and have employer health insurance, you might not need full Medicare yet. But talk to HR or a Medicare advisor to avoid gaps or penalties.
It doesn’t include long-term care, dental, or vision by default. Include those costs in your retirement plan
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