Q: Do I have to apply for Medicare or do I get it automatically? Q: Do I have to pay for Medicare? Q: Do I need both Parts A and B? Q: When can I apply for Medicare? Q: Do I receive a notice about Medicare when I turn 65? Q: If I wait to take Part B, will I face a penalty? Q: I’m thinking of not taking Part B. Who do I need to talk to? Q: My income is low. Are there programs that can help me afford my Medicare premiums? Q: I’m self-employed. Do I need Medicare? Q: I have a high income. Will my Medicare premiums cost more? Q: I have drug coverage from an employer. Do I need a Part D prescription drug plan? Q: How will my employer-based coverage change when I turn 65? Q: My retiree plan is a Medicare Advantage plan. Do I need to do anything else to sign up for Medicare? Q:My retiree plan is a Medicare Advantage plan; do I have to keep it? Q: I lost my creditable drug coverage. What can I do?