What you must know about registering for Medicare when you turn 65

Many people believe that signing up for Medicare when you are 65 years old is uncomplicated and straightforward. However, depending on the circumstances, this is not the case. For instance, if you continue to work, after you turn 65 or if you have health insurance with their spouse, this could complicate the situation.

Here are some things to keep in mind when approaching the age of 65 and you are wondering about Medicare enrollment process.  https://www.medicaresupplementplans2019.com

  1. If you already receive social security pensions, you will automatically receive a Medicare card by mail 3 months before your 65th birthday. They will enroll you in Medicare Part A and Medicare Part B. If you do not want the Part B, follow the instructions and return back the card to Social Security.
  2. When you are 65 years old and if you are still working, you will not be automatically enrolled in Medicare. If you want Medicare, you must contact the Social Security Administration to sign up.
  3. You have a 7 month period register for Medicare, beginning 3 months before your birthday and 3 months after your birthday.
  4. If you’re still working and your company has more than 20 people in its workforce, you might not need Medicare B straight away. Contact the representative your HR department for more information.
  5. You need to enroll in the Medicare Part B If you stop working and have a retirement plan from your employer.
  6. Medicare A and B do not cover 100% of all services. Typically, you will need a Medicare Advantage plan or a Medicare supplement plan to cover some of the costs that are not covered by Medicare. Advantage Plans and Supplemental Plans are private insurance plans.
  7. Medicare Advantage Plans are also referred to as Medicare Part C. You may choose and enroll in a Medicare Advantage Plan if you qualify for Medicare. You may join during the 7-month window period that begins 3 months before your birth month and 3 months after your birth month.
  8. You are also eligible to sign up with a Medicare supplement plan at the time of your Medicare membership. You have a 6-month period to sign up for a supplementary plan, starting on the month of your 65th birthday and / or if you qualify for Medicare Part B.
  9. You should not have a Medicare Advantage Plan and a Medicare Supplemental Plan at the same time. You have to choose one over the other.
  10. Medicare Part D is the plan for prescription drugs. You will not be automatically enrolled in a Medicare Part D plan. You will need to sign up with either a Medicare Advantage Planor a separate plan that offers only the Medicare Part D.

From the foregoing, you can see that there is a lot to consider as you get closer to the age of eligibility for Medicare. For more information contact the Department of Aging in your county.