No matter how old U.S. workers are when they decide to retire and collect Social Security benefits, they automatically become eligible to for Medicare at age 65.

Personal finance bestselling author Dave Ramsey has a few key opinions and some important notes for Americans planning to enroll (or already enrolled) in the federal health care program for retirees.

The first step for Medicare enrollees is assessing their health insurance needs. This includes potential hospital stays, visits to their doctor, prescription drug coverage and other services such as dental and vision care.

Costs for Medicare coverage need to be considered, including premiums, copayments and deductibles. Depending on the plans one chooses from, there may be higher or lower premiums and out-of-pocket costs, so Ramsey emphasizes the importance of comparing them carefully.

Hospital insurance is covered by Medicare Part A. As long as enrollees paid Medicare taxes during their working years, a premium is not required. But deductibles are required for part A.

Medicare Part B covers outpatient and preventive costs. In 2024, the standard monthly premium is $174.70, but that cost can increase for retirees with higher incomes. The Part B premium will increase from $174.70 in 2024 to $185 in 2025.

Medicare Advantage (Medicare Part C), another option, is a health plan offered by private companies that includes the benefits generally covered by Part A and Part B.