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That time frame specifically allows people who are already in Medicare the option to change their coverage for the following year if they want to. (Part A covers stays in the hospital and skilled nursing facilities, some home health services and hospice care.) If you don't know how many credits you have, call Social Security at 800-772-1213.

With that awesome milestone coming up fast — the one with 65 written all over it — you may be panicking about what to do about Medicare. As long as you're 65 or over and an American citizen or a legal resident who's lived in the United States for at least five years, you can get these benefits just by paying the required monthly premiums, same as anybody else.

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