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Retirement related - Medicare

Since so many chimed in on the retirement thread, I want to know if you have any advice or experience to share in dealing with Medicare.

I have been told that if I don't sign up months before I turn 65 I am not eligible.

What does it cover or not cover?

What supplemental plans are good, bad, necessary, or not needed?

There's probably a penalty for not signing up. I know you paid them over $300 every six months un till you turn 66. There are so many plans out there that will make your head spin. I had help from my work. Been retired since last May first.

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