Please send me your easy to understand guide to Medicare. This educational article explains how Medicare works in simple terms, step by step. You will learn what Medicare covers and what it does not cover (the gaps). You will learn how to correctly enroll in Medicare and how to avoid lifetime penalties (for not enrolling properly). This article explains how one can fill the “gaps” in Medicare by purchasing a Medicare Supplement Insurance (Medigap) policy or enrolling in a Medicare Advantage plan. The costs, advantages, and disadvantages of each approach will be explained.