Medicare is the federal health insurance program primarily for people age 65 and older, as well as some individuals under 65 with certain disabilities or medical conditions.
Understanding when to enroll and which parts apply to you can help you avoid coverage gaps and late-enrollment penalties.
Covers inpatient hospital care, skilled nursing facility care, hospice, and some home health care.
Covers doctor visits, outpatient care, preventive services, and durable medical equipment.
An alternative to Original Medicare (Parts A & B) offered by private insurers; often includes prescription drug coverage and extra benefits.
Covers prescription medications through private insurance plans.
Initial Enrollment Period (IEP)
Most people first enroll during their Initial Enrollment Period, which is a 7‑month window:
Missing this window may result in late‑enrollment penalties, especially for Part B.
If you or your spouse are still working when you turn 65, Medicare enrollment rules may differ.
Employees should always confirm how Medicare works with their employer coverage before enrolling.
Rimini Street is proud to partner with NFP, an Aon company, to support employees navigating Medicare. Their licensed advisors provide personalized guidance through group education sessions and one-on-one consultations, helping you understand your options and make confident, informed decisions about your coverage.
Medicare decisions are individual and depend on factors such as employment status, existing coverage, and personal health needs. Employees are encouraged to:
