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Medicare Navigator
Welcome to the Medicare Navigator

If you are enrolling for the first time or contemplating changing your Medicare coverage, the Navigator will help you make the best choices.
Are you already enrolled in Medicare?

Yes, and I'm happy with my coverage

No

Outstanding! But let's still go through
the process, just to be sure.
Do you have health insurance with you or your spouse's current employer?

Yes

No

Which of these best describes the employer?

Large company (20+ employees) that provides group health insurance

Small company (under 20 employees)

Are you currently covered through a military program (TRICARE or the VA)?

Yes

No

You don't need to enroll in Medicare until you lose this coverage, even if you're over 65. As soon as you lose coverage, enroll in Medicare to avoid penalities.

Continue to find out more.
Sign up for Medicare as soon as you are 65 or otherwise eligible as your primary coverage. If over 65 when you sign up, you may pay a penalty.
Do you expect to receive retiree health coverage?

Yes

Still enroll in Medicare at 65 or when eligible. Medicare typically pays claims first; retiree coverage can fill in the gaps. Talk with the employer's HR department to learn coverage specifies.

Continue to find out more.
Are you already receiving Social Security?

Yes

No

Social Security recipients are automatically enrolled in Medicare Part A and B when they turn 65. Continue on to see if this that is the coverage you want.
Do you expect to receive retiree health coverage?

Yes

Still enroll in Medicare at 65 or when eligible. Medicare typically pays claims first, retiree coverage can fill in the gaps. Talk with the employer's HR department to learn coverage specifics.
Check all the statements that apply
Your Medicare Report