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Medicare is divided into four parts: Part A (Hospital Insurance), Part B (Medical Insurance), Part C (Medicare Advantage Plans), and Part D (Prescription Drug Coverage). Each part covers different services.

You can enroll in Medicare through the Social Security Administration website, by visiting your local Social Security office, or by calling the Social Security office directly.

Medicare does not cover long-term care, most dental care, eye exams related to prescribing glasses, dentures, cosmetic surgery, acupuncture, or hearing aids and exams for fitting them.

To lower Medicare costs, consider enrolling in a Medicare Advantage Plan or a Medicare Supplement Insurance (Medigap) policy, which can help cover additional expenses not covered by Original Medicare.