I have questions regarding Medicare, and I’ve heard all kinds of information. I turn 65 next year and will continue to be covered by my husband’s health care plan. When do I have to sign up for Medicare? I’m worried about paying the late penalty if I don’t. Do I need to buy an additional plan as well? And finally, can you tell me the difference between Part A, Part B and Part D? Is there a Part C? As you can see, I’m confused.