除了 Part A ，其他都要自己买。不过有些无月费或者低月费的Medicare Advantage
Prescription Drug Health Plan. 你不需要另外付钱都可以有相当于 Part D 的功能·
例如这家：Brand New Day HMO
Brand New Day is a comprehensive Medicare Advantage Prescription Drug Health Plan that helps our members achieve optimal health for the whole person—physically, mentally and emotionally. Our health plan offers all the benefits of Original Medicare, plus so much more. We start where Medicare ends, giving members access to robust benefits with a personal touch—including dental, vision, chiropractic, unlimited transportation (to and from doctor visits), gym membership, home medical supplies and more. We provide many of the “extras”—plus compassionate one-on-one guidance, as well.
要在失去保险日后几个月内购买才不会被罚款？
在美国，句号。
如果您在65岁时，有医疗保险，目前不用操心。
没有医疗保险，你必须在7个月内登记参加政府的保险。生日这个月算一个月，前后各三个月，总共7个月，这叫initial enrollment period. 过了这个时候，再参加就要有罚款。you may have to pay a late enrollment penalty each month.
当然有例外。
凡是美国公民或永久居民（绿卡持有人），已合法连续在美国居住满5年或以上，都应在65岁生日前后的三个月，即七个月的时间内申请 Medicare（红蓝卡），避免因延迟参加而受罚。
假如没有在这七个月的“首次参加期”（Initial Enrollment Period）内加入，你也可以在每年1月1日至3月31日期间加入，然后在7月1日享受福利，但是超过规定登记期后投保的Ｂ部分（“Part B”）医疗保险，将面临终身罚款。每迟到1 个月增加1%的保费。
年届65岁仍在工作，且公司或配偶公司提供团体健保的银发族，可豁免被罚。但是当事人必须向社安局证明，这段时期你及配偶仍在工作，由公司支付健保。同时要记住，你必须在离开工作八个月内申请红蓝卡，以免支付高额保费
年年费用会调整，一般人要多付几块钱。
也可8月内买？
我一开始理解为怎么去申请Medicare了。
Prescription Drug Health Plan. 你不需要另外付钱都可以有相当于 Part D 的功能·
例如这家：Brand New Day HMO
Brand New Day is a comprehensive Medicare Advantage Prescription Drug Health Plan that helps our members achieve optimal health for the whole person—physically, mentally and emotionally. Our health plan offers all the benefits of Original Medicare, plus so much more. We start where Medicare ends, giving members access to robust benefits with a personal touch—including dental, vision, chiropractic, unlimited transportation (to and from doctor visits), gym membership, home medical supplies and more. We provide many of the “extras”—plus compassionate one-on-one guidance, as well.
https://www.google.com/search?q=free+medicare+advantage+plans&safe=active&sxsrf=ALeKk01U_pxiXKF98A24CFUTsAITwriZZg%3A1623104877661&source=hp&ei=bZ2-YKy9JcSw0PEP1saC8A8&iflsig=AINFCbYAAAAAYL6rfS9bgTOfuS_MkO-9Y3ttEELQgz4o&oq=free+medicare+adva&gs_lcp=Cgdnd3Mtd2l6EAEYADICCAAyAggAMgYIABAWEB4yBggAEBYQHjIGCAAQFhAeMggIABAWEAoQHjIGCAAQFhAeMgYIABAWEB4yBggAEBYQHjIGCAAQFhAeOgYIABAFEB46BAgjECc6EAguEIcCELEDEMcBEKMCEBQ6BAguEEM6BwgAEIcCEBQ6BAgAEEM6CAgAELEDEIsDOgUIABCxAzoCCC46BQgAEIsDOggIABDJAxCLAzoICAAQkgMQiwM6BQgAEMkDUL4IWK5jYKiCAWgAcAB4AIABZYgB-gqSAQQxNy4xmAEAoAEBqgEHZ3dzLXdpergBAg&sclient=gws-wiz
65岁当时没买，以后再买，只能在每年的1-3月份买，好像还不是马上保险就生效。任何理由，如果你4月一日后想买，就要等8个月？这段时间没有医保，政府是如何解决这个问题的？