If you plan on working past the age of 65, you’ll have to decide if and when you’ll drop your group plan and switch over to Medicare. While 65 is considered the age of retirement, many 65ers keep on keeping on. In fact, almost 20% of Americans 65+ continue to work, either full- or part-time.

If you’re nearing that lovely age of 65, you’re probably getting hounded with information. In the next 5 minutes, we’re going to give you a crash course on Medicaid, Medicare, and Medigap — everything from what they are to what you should do about it.

It depends. Medicare will cover your care if it’s medically necessary or it’s acute care in the hospital or at your doctor’s office. It will also help for some services that improve your medical condition. That includes things like physical therapy or rehabilitation.

You’ve lived life enough to reap the benefits of Medicare. You can celebrate, but before you pop the champagne, you should know what kinds of things Medicare doesn’t cover. Some things are more likely to be needed than others, so let's take a look at what may lie ahead.

When you approach age 65, loads of mail starts arriving in your mailbox. Every insurance carrier and agent wants you to buy their plan. Some of the letters look like advertisements, while others look like official documents. When you’re overwhelmed by all the options, how do you even begin to make a decision?