Senior Medicare Knowledge Medicare is for people age 65 and older and those who have special conditions or disabilities.  Applying for Medicare can be an intimidating, complicated, and confusing process.  So, in this article, Baywoods of Annapolis provides 4 things you should know about Medicare!   Tip #1: Signing Up There are only certain periods when you can enroll in Medicare, and these are subject to change.  At the time of this writing, you must enroll in the time period 3 months before your 65th birthday to 3 months after your 65th birthday.  Failure to do so may subject you to certain penalties and even a gap in coverage, so be sure to check the official Medicare.gov website well before your 65th birthday and plan accordingly.  Each member of your family must enroll in Medicare.   Tip #2:  After 65, Medicare is Your Primary Insurer Regardless of whether you have another insurance provider, (such as retiree health insurance, individual insurance, or COBRA insurance,) after you turn 65, Medicare is considered your primary insurer…even if you haven’t applied!  So, be sure to follow guidelines in Tip 1 and sign up as soon as you are eligible.   Tip #3:  Understanding the