Medicare protects its beneficiaries. If you do not contact the insurance companies/insurance agents, they are not suppose to contact you without having received a request from you. You may want to go to a free educational meeting on Medicare held locally in your area at a hospital, senior center, community center, etc. to get an overview on Medicare, info on when and how to enroll onto Medicare, and find out what insurance plans are available in your area.
When selecting a broker/agent to work with you to help you with identifying the insurance plans that will meet your individual needs, find out: (1) how long have they been certified to enroll people onto Medicare insurances; (2) what insurance plans/companies they are appointed and certified with; and (3) do they take the time to educate you regarding the various plan options available to you, identifying specific plans that meet your unique medical/prescription drug/physician needs.
Remember, any questions you ask are valid questions. You are selecting your health and drug insurance coverage, so you want to make sure you understand a plan’s coverages in order to determine what will work best for your specific needs and enable you to have peace of mind with the selection(s) you make.