The single most important thing is to sign up before your deadline. If you don’t, your standard premium goes up FOREVER. FOR-EVER, as in, forever.
I (single) opted for part G. That means nothing for you/yours.
There are a number of webinars out there for Medicare advice and I would suggest listening/slogging through some of them.
Personally, I find the entire universe of Medicare too complicated to hold in my pea-brain all at one time. I don’t understand why it needs to be so complicated, but it is.
IF you take SS early(before 65) you are automatically enrolled in Medicare and will be notified prior to turning 65. You’ll still need to figure out supplemental.
I find it too complicated and I dont want to deal with it but need to. At a time when Seniors start losing their faculties they make insurance incredibly difficult to understand.
The only thing that I know for sure is that anyone that might need to change coverage needs to consider the problem of pre existing conditions if you want to get off Medicare advantage.