In this hour, Elder Law and special needs attorney Jim Koewler answers questions about the daunting world of Medicare. This segment provides an overview of Medicare, the Federally-funded health insurance for people 65 or over. If you’re approaching your 65th birthday, start thinking about this: you can sign up three months prior to and up to three months after your birthday. Don’t miss that magic window, at it results in getting an annual late-fee penalty, and you might not be able to get the health insurance that you want to go with your Medicare. Medicare covers 80% of covered health costs; vision and dental aren’t covered unless they’re considered medical treatments.