Open enrollment and coverage changes for Medicare is October 15 through December 7th. Let Van Dyke Rankin weed through the red tape and make sure you get the coverage you need, the right plan, and prescription coverage that works.

Medicare is health insurance for people 65 or older, certain people under 65 with disabilities, and people of any age with End-Stage Renal Disease (ESRD). Learn how to get started with Medicare if you have a disability or if you have ESRD.

Your first chance to get Medicare usually starts 3 months before you turn 65 and ends 3 months after you turn 65. Find out when you’re eligible for Medicare.

You can only enroll in Medicare at certain times, and the cost can go up the longer you wait to sign up. Getting Medicare late can mean lifetime premium penalties and delays in when your coverage can start.

Deciding to enroll in Part B is an important decision. It depends on the type of coverage you have now, and whether you can sign up later (without a penalty). Not all other health coverage is the same as Part B. Find out if you should get Part B.

If you’re getting benefits from the Railroad Retirement Board (RRB), you’ll get Medicare Part A and Part B automatically when you’re first eligible. Contract your local RRB office for more information about enrolling in Medicare.