Just because you are turning 65 doesn’t necessarily mean now is the best time to join up. One of the most confusing parts of Medicare involve the various enrollment periods. To cut through this confusion it is important to understand that there are two different kinds of enrollment. There is one enrollment to get your Medicare card and start PART A and PART B. But because most people want more comprehensive coverage, they usually will add a Medigap plan or an Advantage plan and usually coverage for prescription drugs. This requires a second enrollment when you wish to go beyond the original Medicare PART A and Part B to get additional coverage. In this lesson’s six-minute video you will learn the three life events that determine when you can enroll and how to avoid lifetime penalties you might face if you get this wrong.