Image source: Getty Images.Medicare is vital for helping you pay for your healthcare needs in retirement, but it's also a complicated program that has some traps for the unwary. Knowing how to navigate your Medicare benefits to get as much value as you can is essential. Below, we'll give you some simple tips that you should keep in mind as you think about Medicare.Most people become eligible for Medicare when they turn 65, and the window for applying for Medicare comes in the period surrounding your 65th birthday.