Medicare provides valuable healthcare coverage, but it does not always begin automatically—and missing the right enrollment window can result in coverage gaps and penalties that may continue for years.

Whether you are approaching age 65, planning to retire, or already enrolled in Medicare, understanding the major enrollment periods can help you make informed decisions and avoid costly mistakes.

Many retirees are surprised to learn that Original Medicare usually does not cover routine dental care. Cleanings, exams, X-rays, fillings, dentures, and other common dental services may become out-of-pocket expenses unless separate dental coverage is in place.

Learn how recent improvements to prescription drug coverage are helping consumers save money, reduce out-of-pocket costs, and better manage their healthcare expenses.