Enrolling in Medicare*
- Turning 65, already on Social Security.
Parts A & B are issued to you automatically, but you have an option to decline B. Normally the only reason to decline B is that you will be covered by employer plan, not a retiree plan. You will receive your Medicare card in the mail about 3 months before Medicare begins.
- Qualifying under spouse’s Social Security for Medicare.
Requires a visit to the Social Security office with both parties. Need to prove age, citizenship, address & marriage. Bring birth certificate, drivers license and marriage license.
- Turning 65, on individual coverage or leaving group medical plan – not taking Social Security.
Initial enrollment window starts 3 months before the month you turn 65. Visit www.medicare.gov, float over “Sign Up/Change Plans” on the left side of the top blue menu. When the light blue dropdown menu appears, select “Apply for Medicare Online.” On the next page, click “Apply for Medicare Only” to begin. The whole process takes 10-30 minutes.
- Turning 65, staying on group medical plan.
Enroll in Part A at medicare.gov when first eligible – Part A benefits are free. Do not enroll in Part B while on group, unless your group plan insists you do. (Normally groups under 20 lives will require you to enroll in Part B.) Investigate Group vs Medicare Supplement & Part D (for Rx).
- 65+, on Part A for over 3 months, leaving group medical plan and needing Part B.
You have 8 months to sign up for Part B without a penalty. Believe or not COBRA is not a qualified plan and many retiree plan are not qualified. To sign up for Part B while you’re employed or during the 8 months after employment ends, complete form (CMS-40B) and for employer (CMS-L564).
- On Group having Part A & B over 3 months, eligible for Group and changing to Medicare.
Medical underwriting is normally required for popular Plan G.
- Missed the initial enrollment and are not covered by a qualified medical plan. Must wait until the first quarter of the year to apply with coverage starting July 1st. A lifetime premium rate-up charged.
- On Social Security Disability for 24 months, Medicare A and B enrollment is automatic, effective the 25th month.
- Birthday is the 1st of the month? You’re eligible for Medicare the 1st of the prior month.
- On HSA Qualified Medical? To continue making contributions, do not enroll in A or B.
- COBRA over 65? I cannot see a reason for it. It requires you to carry both Medicare A & B, and is not considered qualified coverage. Additionally, you lose Medicare Supplement open enrollment after 6 months.
Medicare Part D (Rx) – you will need your Medicare card to apply. Most plans purchased cost $17-30/mo*. I do not sell these plans but will show you how to select and buy the best option. This is a link to my website’s page on Part D. http://www.deesigned.com/medicare/medicare-part-d/
*Remember the authority on the subject is https://www.medicare.gov/