People eligible for Medicare prior to December 31, 2019 have additional options that those turning 65 after that date will not have. The significant changes are due to the Medicare Access and CHIP Reauthorization Act of 2015, otherwise known as MACRA. You can read more about it HERE. ( https://living.medicareful.com/what-does-macra-mean-for-you?agent=PrecisionRetirement )