Buying Medicare insurance is a multi-step process that involves enrolling in the government program first and then deciding on private supplemental coverage. The fastest way to start is by creating a my Social Security account to enroll online. 1. Enroll in Original Medicare (Parts A & B)
In 2025, Medicare Supplement premiums typically range from $32 to $550 per month . how to buy medicare insurance
Private insurance that pays your share of costs (like the 20% Part B coinsurance). You have a 6-month open enrollment period starting the month you are 65 and enrolled in Part B, where you can buy any plan regardless of health history. Part D: A standalone plan to cover prescription drugs. Option B: Medicare Advantage (Part C) Buying Medicare insurance is a multi-step process that
Check if your specific treatments, like Prolia injections for osteoporosis, are covered under the plan’s formulary or Part B benefits. 4. Finalize Your Purchase Enroll in Original Medicare (Parts A & B)
These are "all-in-one" plans offered by private companies like Aetna or UnitedHealthcare. They usually include drug coverage and may offer extras like dental or vision, but they often require you to use a specific network of doctors. 3. Compare Plans and Costs
You can buy Medigap or Advantage plans from companies like State Farm (rated best overall for Medigap) or Mutual of Omaha.
Costs vary significantly based on your location and health needs.