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<!DOCTYPE html><html lang="en" class="__variable_9c011f __variable_c40baf __variable_9cb5ad"><head><meta charSet="utf-8"/><meta name="viewport" content="width=device-width, initial-scale=1"/><link rel="preload" href="/_next/static/media/c86098910c1bdb70-s.p.woff2" as="font" crossorigin="" type="font/woff2"/><link rel="preload" href="/_next/static/media/d4dfaaf638cb194c-s.p.woff2" as="font" crossorigin="" type="font/woff2"/><link rel="preload" href="/_next/static/media/d5dfdc4b139a48ee-s.p.woff2" as="font" crossorigin="" type="font/woff2"/><link rel="preload" href="/_next/static/media/feef95912297bfe4-s.p.woff2" as="font" crossorigin="" type="font/woff2"/><link rel="stylesheet" href="/_next/static/css/3ab4d8a024008599.css" data-precedence="next"/><link rel="stylesheet" href="/_next/static/css/b208045574eec35b.css" data-precedence="next"/><link rel="stylesheet" href="/_next/static/css/d5cd96657f8e04be.css" data-precedence="next"/><link rel="stylesheet" href="/_next/static/css/7b9640831c94971e.css" data-precedence="next"/><link rel="stylesheet" href="/_next/static/css/b855f2991f246a4c.css" data-precedence="next"/><link rel="stylesheet" href="/_next/static/css/c109981928b2060a.css" data-precedence="next"/><link rel="stylesheet" href="/_next/static/css/355316bfd137488c.css" data-precedence="next"/><link rel="stylesheet" href="/_next/static/css/53b4253013f10f10.css" data-precedence="next"/><link rel="stylesheet" href="/_next/static/css/c95569a204d42de9.css" data-precedence="next"/><link rel="stylesheet" href="/_next/static/css/8431bb7b86cf538f.css" data-precedence="next"/><link rel="preload" as="script" fetchPriority="low" href="/_next/static/chunks/webpack-04bd8aced27c7b2c.js"/><script src="/_next/static/chunks/fd9d1056-ca26e968d44fea5b.js" async=""></script><script src="/_next/static/chunks/2117-ddb21bade9cab0d0.js" async=""></script><script src="/_next/static/chunks/main-app-3266a42d4bdd0c7d.js" async=""></script><script src="/_next/static/chunks/8159-8189bf8b12b78f1f.js" async=""></script><script src="/_next/static/chunks/7512-6fcbb11d082248f0.js" async=""></script><script src="/_next/static/chunks/9926-d19c6e8abd5e4118.js" async=""></script><script src="/_next/static/chunks/5581-a745bbb68347592a.js" async=""></script><script src="/_next/static/chunks/app/layout-a60d8d393d071df8.js" async=""></script><script src="/_next/static/chunks/36-e7c1a8265bec517c.js" async=""></script><script src="/_next/static/chunks/2957-6dd01ea6fae76e1b.js" async=""></script><script src="/_next/static/chunks/8849-73dab0854c10b798.js" async=""></script><script src="/_next/static/chunks/5584-1bf462a1e03f2506.js" async=""></script><script src="/_next/static/chunks/5422-81b2909943661823.js" async=""></script><script src="/_next/static/chunks/9397-de7a1cbd95999dd4.js" async=""></script><script src="/_next/static/chunks/app/(CatchAll)/%5B...path%5D/page-8cff1e52f7e0220a.js" async=""></script><link rel="preload" href="https://www.googletagmanager.com/gtm.js?id=GTM-PHJ4LQ" as="script"/><title>Medicare for Older Adults</title><meta name="description" content="Medicare covers a wide range of services to keep you healthy as you age. Learn more about the different parts of Medicare, and what it does and does not cover."/><meta property="og:title" content="Getting Help Choosing Your Medicare Plan"/><meta property="og:description" content="Medicare covers a wide range of services to keep you healthy as you age. 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Discover tools and resources to improve quality of life and tips to make the most of your money.</p></div></div></div></div></li><li><div class="dropdown_dropdownContainer__40QqE"><button aria-expanded="false" class="dropdown_dropdownButton__Ruq5Q" aria-controls="dropdown-professional-resources" type="button">Professional Resources</button><div class="dropdown_dropdown__4EVfX dropdown_hasInfo__uCS1d" id="dropdown-professional-resources"><div class="dropdown_navigation__LD6nO dropdown_isTwoColumns__AaAyW"><ul class="dropdown_navList__ia6PW"><li><a class="dropdown_navListLink__ZUu3w" href="/page/benefits-access/">Benefits Access</a></li><li><a class="dropdown_navListLink__ZUu3w" href="/page/economic-wellbeing/">Economic Well-Being</a></li><li><a class="dropdown_navListLink__ZUu3w" href="/professionals/health/prevention/falls-prevention/">Falls Prevention</a></li><li><a class="dropdown_navListLink__ZUu3w" href="/page/healthy-aging-programs/">Healthy Aging Programs</a></li><li><a class="dropdown_navListLink__ZUu3w" href="/page/senior-centers/">Senior Centers</a></li><li><a class="dropdown_navListLink__ZUu3w" href="/page/workforce-training/">Workforce Training</a></li></ul><div class="dropdown_navFooter__8h7lF"><a class="dropdown_navFooterLink__oBXXe" href="/professional-resources/">PROFESSIONAL RESOURCES: SEE ALL TOPICS</a></div></div><div class="dropdown_info__CqIuD"><h3 class="dropdown_infoHeading__9IEwS">Professional Resources</h3><div class="render-html renderHTML_renderHTML__bHC6S"><p>Improving the lives of older adults, especially those who are struggling, is not just your job鈥搃t鈥檚 at your core. Gain your inspiration here and find NCOA tools, tips, and resources to help improve your delivery and service.</p></div></div></div></div></li><li><div class="dropdown_dropdownContainer__40QqE"><button aria-expanded="false" class="dropdown_dropdownButton__Ruq5Q" aria-controls="dropdown-about-us" type="button">About Us</button><div class="dropdown_dropdown__4EVfX dropdown_hasInfo__uCS1d" id="dropdown-about-us"><div class="dropdown_navigation__LD6nO"><ul class="dropdown_navList__ia6PW"><li><a class="dropdown_navListLink__ZUu3w" href="/page/about-us/">About NCOA</a></li><li><a class="dropdown_navListLink__ZUu3w" href="/page/impact-report/">Our Impact</a></li><li><a class="dropdown_navListLink__ZUu3w" href="/page/our-promise/">Our Promise</a></li><li><a class="dropdown_navListLink__ZUu3w" href="/page/finances/">Financial Information</a></li><li><a class="dropdown_navListLink__ZUu3w" href="/page/public-policy-positions/">Policy Positions</a></li></ul><div class="dropdown_navFooter__8h7lF"><a class="dropdown_navFooterLink__oBXXe" href="/about-us/">ABOUT US</a></div></div><div class="dropdown_info__CqIuD"><h3 class="dropdown_infoHeading__9IEwS">About NCOA</h3><div class="render-html renderHTML_renderHTML__bHC6S"><p>We believe every person deserves to age well, regardless of their background. Learn more about the work we do, the people we serve, and why aging well matters now more than ever.</p></div></div></div></div></li><li><div class="dropdown_dropdownContainer__40QqE"><button aria-expanded="false" class="dropdown_dropdownButton__Ruq5Q" aria-controls="dropdown-get-involved" type="button">Get Involved</button><div class="dropdown_dropdown__4EVfX dropdown_last__HC6_M dropdown_hasInfo__uCS1d" id="dropdown-get-involved"><div class="dropdown_navigation__LD6nO"><ul class="dropdown_navList__ia6PW"><li><a class="dropdown_navListLink__ZUu3w" href="/page/ways-to-give/">Ways to Give</a></li><li><a class="dropdown_navListLink__ZUu3w" href="/partnership/">Partner with Us</a></li><li><a class="dropdown_navListLink__ZUu3w" href="/page/advocate/">Advocate</a></li><li><a class="dropdown_navListLink__ZUu3w" href="https://connect.ncoa.org/">Events & Education</a></li><li><a class="dropdown_navListLink__ZUu3w" href="/ncoa-map/">Community Partners</a></li></ul><div class="dropdown_navFooter__8h7lF"><a class="dropdown_navFooterLink__oBXXe" href="/page/get-involved/">GET INVOLVED</a></div></div><div class="dropdown_info__CqIuD"><h3 class="dropdown_infoHeading__9IEwS">Help NCOA Make an Impact</h3><div class="render-html renderHTML_renderHTML__bHC6S"><p>Help us build a more just and caring society in which each of us, as we age, lives with dignity, purpose, and security. 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Gain your inspiration here and find NCOA tools, tips, and resources to help improve your delivery and service.</p></div></div></div></div></li><li><div class="dropdown_dropdownContainer__40QqE dropdown_isSticky__I1JvK"><button aria-expanded="false" class="dropdown_dropdownButton__Ruq5Q" aria-controls="dropdown-about-us" type="button">About Us</button><div class="dropdown_dropdown__4EVfX dropdown_hasInfo__uCS1d" id="dropdown-about-us"><div class="dropdown_navigation__LD6nO"><ul class="dropdown_navList__ia6PW"><li><a class="dropdown_navListLink__ZUu3w" href="/page/about-us/">About NCOA</a></li><li><a class="dropdown_navListLink__ZUu3w" href="/page/impact-report/">Our Impact</a></li><li><a class="dropdown_navListLink__ZUu3w" href="/page/our-promise/">Our Promise</a></li><li><a class="dropdown_navListLink__ZUu3w" href="/page/finances/">Financial Information</a></li><li><a class="dropdown_navListLink__ZUu3w" href="/page/public-policy-positions/">Policy Positions</a></li></ul><div class="dropdown_navFooter__8h7lF"><a class="dropdown_navFooterLink__oBXXe" href="/about-us/">ABOUT US</a></div></div><div class="dropdown_info__CqIuD"><h3 class="dropdown_infoHeading__9IEwS">About NCOA</h3><div class="render-html renderHTML_renderHTML__bHC6S"><p>We believe every person deserves to age well, regardless of their background. Learn more about the work we do, the people we serve, and why aging well matters now more than ever.</p></div></div></div></div></li><li><div class="dropdown_dropdownContainer__40QqE dropdown_isSticky__I1JvK"><button aria-expanded="false" class="dropdown_dropdownButton__Ruq5Q" aria-controls="dropdown-get-involved" type="button">Get Involved</button><div class="dropdown_dropdown__4EVfX dropdown_last__HC6_M dropdown_hasInfo__uCS1d" id="dropdown-get-involved"><div class="dropdown_navigation__LD6nO"><ul class="dropdown_navList__ia6PW"><li><a class="dropdown_navListLink__ZUu3w" href="/page/ways-to-give/">Ways to Give</a></li><li><a class="dropdown_navListLink__ZUu3w" href="/partnership/">Partner with Us</a></li><li><a class="dropdown_navListLink__ZUu3w" href="/page/advocate/">Advocate</a></li><li><a class="dropdown_navListLink__ZUu3w" href="https://connect.ncoa.org/">Events & Education</a></li><li><a class="dropdown_navListLink__ZUu3w" href="/ncoa-map/">Community Partners</a></li></ul><div class="dropdown_navFooter__8h7lF"><a class="dropdown_navFooterLink__oBXXe" href="/page/get-involved/">GET INVOLVED</a></div></div><div class="dropdown_info__CqIuD"><h3 class="dropdown_infoHeading__9IEwS">Help NCOA Make an Impact</h3><div class="render-html renderHTML_renderHTML__bHC6S"><p>Help us build a more just and caring society in which each of us, as we age, lives with dignity, purpose, and security. 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Learn more about the different parts of Medicare, how to enroll, what it could cost, and what health care services Medicare does and does not cover.</div></div><nav class="breadcrumbs_container__ktV_o pageHeader_breadcrumbs__Kj44i" aria-labelledby="breadcrumbs-heading"><h2 id="breadcrumbs-heading" class="screen-reader-text">Breadcrumbs</h2><ul><li><a href="/">Home</a></li><li><a href="/aging-well/">Aging Well</a></li><li><a href="/older-adults/benefits/">Benefits Programs & Assistance</a></li><li><a href="/older-adults/benefits/healthcare/">Health Care Benefits</a></li></ul></nav><nav class="subNavigation_pillsLight__4y_EW pageHeader_specialPathing__BHiv0"><h2 class="subNavigation_heading__iIM4j subNavigation_screenReaderHeading__DNjhR heading_heading__8mSev heading_h2__kkLcC heading_heading-size-xxs__aBjMT">Medicare Navigation</h2><ul class="subNavigation_navList__E5u2e"><li><a href="/article/what-is-medicare-and-how-do-i-get-started/">What Is Medicare?</a></li><li><a href="/article/what-is-a-state-health-insurance-assistance-program-and-how-can-it-help-me/">Get Help from a SHIP</a></li><li><a href="https://www.shiphelp.org/">Find Local Medicare Help</a></li><li><a href="/article/how-to-choose-a-medicare-plan-during-open-enrollment/">What Is Medicare Open Enrollment?</a></li></ul></nav></div><figure class="imageWrapper_imageWrapper__eiLsy primary-image pageHeader_primaryImage__1NDYP pageHeader_hiddenOnMobile__fR2jR imageWrapper_forced-landscape__lvzSJ image-wrapper"><img alt="A Black senior woman is at her kitchen table, looking at her financials and working on her laptop." loading="lazy" width="1336" height="614" decoding="async" data-nimg="1" class="imageWrapper_forceFit__p_Cg8 image-wrapper-image" style="color:transparent" srcSet="/_next/image/?url=https%3A%2F%2Fassets-us-01.kc-usercontent.com%3A443%2Fffacfe7d-10b6-0083-2632-604077fd4eca%2F723bc2fe-fb45-4cd6-b055-6b6046c2d796%2FBlack-senior-woman-using-computer-paying-bills_Hero_iStock-1304359930_2021-05_1336x614.jpg&w=1920&q=75 1x, /_next/image/?url=https%3A%2F%2Fassets-us-01.kc-usercontent.com%3A443%2Fffacfe7d-10b6-0083-2632-604077fd4eca%2F723bc2fe-fb45-4cd6-b055-6b6046c2d796%2FBlack-senior-woman-using-computer-paying-bills_Hero_iStock-1304359930_2021-05_1336x614.jpg&w=3840&q=75 2x" src="/_next/image/?url=https%3A%2F%2Fassets-us-01.kc-usercontent.com%3A443%2Fffacfe7d-10b6-0083-2632-604077fd4eca%2F723bc2fe-fb45-4cd6-b055-6b6046c2d796%2FBlack-senior-woman-using-computer-paying-bills_Hero_iStock-1304359930_2021-05_1336x614.jpg&w=3840&q=75"/></figure></div></header><div class="contentPackage_contentPackage__rj9mo contentPackage_hasCount4__ZDv5r"><div class="contentPackage_container__Nilka"><div class="contentPackage_cardContainer__Ptrt3"><div class="contentPackage_featuredCards__NWm98"><div class="columns_columns__yjyRW columns_has-spacing-xl__U1dfx contentPackage_featuredCardsColumns__AYSWN"><div class="columns_column__i7SG_"><div class="contentPackage_featuredCardMobile__P0tOG"><div class="card-container"><div class="card-content"><h2 class="heading_heading__8mSev heading_h2__kkLcC heading_heading-size-s__UqyXs"><a href="/article/what-you-will-pay-in-out-of-pocket-medicare-costs-in-2025/">What You'll Pay in Out-of-Pocket Medicare Costs in 2025</a></h2><div class="card_eyebrow__lALeW">Dec 05, 2024</div></div><div class="card-image"><figure class="imageWrapper_imageWrapper__eiLsy imageWrapper_forced-landscape__lvzSJ image-wrapper"><img alt="Before choosing a plan, it鈥檚 important to have a good understanding of what your Medicare out-of-pocket costs might be for the year. " type="image/jpeg" loading="lazy" width="1337" height="615" decoding="async" data-nimg="1" class="imageWrapper_forceFit__p_Cg8 image-wrapper-image" style="color:transparent" srcSet="/_next/image/?url=https%3A%2F%2Fassets-us-01.kc-usercontent.com%3A443%2Fffacfe7d-10b6-0083-2632-604077fd4eca%2F78241d6a-878f-48bc-af95-65a01f4e73af%2FWhat-You-Pay-Out-of-Pocket-Medicare-Costs-2023_2022-10-Hero-1336x614.jpg&w=1920&q=75 1x, /_next/image/?url=https%3A%2F%2Fassets-us-01.kc-usercontent.com%3A443%2Fffacfe7d-10b6-0083-2632-604077fd4eca%2F78241d6a-878f-48bc-af95-65a01f4e73af%2FWhat-You-Pay-Out-of-Pocket-Medicare-Costs-2023_2022-10-Hero-1336x614.jpg&w=3840&q=75 2x" src="/_next/image/?url=https%3A%2F%2Fassets-us-01.kc-usercontent.com%3A443%2Fffacfe7d-10b6-0083-2632-604077fd4eca%2F78241d6a-878f-48bc-af95-65a01f4e73af%2FWhat-You-Pay-Out-of-Pocket-Medicare-Costs-2023_2022-10-Hero-1336x614.jpg&w=3840&q=75"/></figure></div></div></div></div><div class="columns_column__i7SG_"><div class="contentPackage_cardList__OjJQ6"><div class="card-container"><div class="card-content"><h2 class="heading_heading__8mSev heading_h2__kkLcC heading_heading-size-xs__YZjk6"><a href="/article/5-steps-to-getting-started-with-medicare/">5 Steps to Getting Started With Medicare</a></h2><div class="card_eyebrow__lALeW">Jun 28, 2023</div></div></div><div class="card-container"><div class="card-content"><h2 class="heading_heading__8mSev heading_h2__kkLcC heading_heading-size-xs__YZjk6"><a href="/article/who-is-the-best-person-to-talk-to-about-medicare/">Who Is the Best Person to Talk to About Medicare?</a></h2><div class="card_eyebrow__lALeW">Aug 12, 2024</div></div></div><div class="card-container"><div class="card-content"><h2 class="heading_heading__8mSev heading_h2__kkLcC heading_heading-size-xs__YZjk6"><a href="/article/medicare-fraud-and-abuse-how-seniors-can-protect-themselves/">Medicare Fraud, Errors, and Abuse: How Older Adults Can Protect Themselves</a></h2><div class="card_eyebrow__lALeW">Oct 22, 2024</div></div></div></div></div></div></div></div></div></div><div class="mapped-components-container"><div class="featuredPageBlock_container__THQbA featuredPageBlock_blue__8nCTP featuredPageBlock_position-content__LlHAd"><div class="featuredPageBlock_wrapper__Vsm_R"><div class="featuredPageBlock_content__jLx50"><h2 class="featuredPageBlock_heading__ID9HA heading_heading__8mSev heading_h2__kkLcC">Need Help Understanding Medicare Enrollment?</h2><div class="ctaGroup"><div class="render-html renderHTML_renderHTML__bHC6S featuredPageBlock_description__yrdh1"><p>Timing is critically important when it comes to enrolling in Medicare. If you think you will want Medicare at any point in your life鈥攁nd you most likely will鈥攜ou need to understand when you can and should enroll.聽</p></div><div><a class="featuredPageBlock_cta__pl09S buttonCta_buttonSizeMedium__QtIRK buttonCta_buttonThemePlainText__tYOBw buttonCta_hasArrow__igH_A" href="/older-adults/benefits/healthcare/medicare/medicare-enrollment-assistance">Use NCOA Resources to Guide You<span class="button-cta-arrow-icon"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 15 12"><path fill="currentColor" fill-rule="evenodd" d="m9.849.73 4.914 4.74a.74.74 0 0 1 .237.531c0 .19-.079.38-.237.531l-4.914 4.74a.81.81 0 0 1-1.125 0 .735.735 0 0 1 0-1.08l3.592-3.432H.789C.355 6.76 0 6.418 0 6s.355-.758.79-.758h11.526l-3.573-3.45a.735.735 0 0 1 0-1.081c.296-.284.79-.284 1.106.02Z" clip-rule="evenodd"></path></svg></span></a></div></div></div><div class="featuredPageBlock_image__PZbXK"><figure class="imageWrapper_imageWrapper__eiLsy imageWrapper_forced-landscape__lvzSJ image-wrapper"><img alt="Most Medicare Advantage (MA) plans include Medicare prescription drug coverage (Part D). Here鈥檚 what you should know when choosing an MA plan. 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