Once you become an eligible annuitant to participate Medicare that's the best thing for seniors. Nevertheless, everything you could have forgot in all your delight in being able to get health care at a reasonable cost is that anything that has to do with health care, including all parts of Medicare can be confusing. That said to be able to get only a "dab" of understanding you will need to remove that concept "confusing". Therefore here are a couple of answers for your concern.
# 1 - The Medicare Handbook For 2013: It was delivered to you for a reason so do not ignore it; read it. It has all the solutions to even the absolute most trivial concerns. And if you still have trouble working it out, every state includes a health insurance guidance program where you will get fast and free Medicare therapy via an 800 number. And don't be embarrassed; your "life raft" will have lots of individuals.
- As soon as you sign up for Medicare Part A which is your hospital coverage and fundamentally free, you'll have the choice to just take the next step to Medicare Part B which is medical coverage; however it is not free. Thus, if the coverage you receive in Part A works for you, you are not required to add Medicare Part B; it's an alternative but does contain some coverage you may need. Also, if you decided not to simply take the Part B plan, in some instances, you could postpone your Medicare Part B without paying higher rates.
Number 3 - But if you have Medicare Part A and Part B insurance but find your health needs however takes a Medicare supplemental or Medigap policy like Medicare Part D, it is a prescription drug option that gives for generic and brand-name prescription drugs. All you want to accomplish is get online and do some old fashioned shopping around for your budget that is fit by the best deal, i.e. medicare supplement insurance.