How to enroll in Medicare

how do you enroll in medicare

— Parts A and B —

The Social Security Administration handles Medicare eligibility and enrollment. You can contact Social Security at 1-800-772-1213 to enroll, or to find out if you are eligible. You can also visit their web site at SocialSecurity.gov .

Even if you plan to continue working past age 65, if you will be 65 soon, and are not receiving benefits from Social Security –

Apply for Medicare benefits 3 months before your 65th birthday, even if you plan to continue working past age 65. Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) will start the first day of the month you turn age 65. (Note: Because you must pay a premium for Part B coverage, you will have the option to turn it down.) You will receive a Medicare card about two months before age 65.

To apply for Medicare only, call 1-800-772-1213. Social Security representatives there can make an appointment for you at any convenient Social Security office and advise you what to bring with you.

If your 65th birthday is March 30th, your Medicare effective date will be March 1st. (Note: If your birthday is on the 1st day of a month, Medicare Part A and Part B will be effective the 1st day of the prior month. For example, if your 65th birthday is February 1st, your Medicare effective date would be January 1st.)

If you already receive benefits from Social Security –

If you already get benefits from Social Security or the Railroad Retirement Board, you are automatically entitled to Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) starting the first day of the month you turn age 65. You will not need to do anything to enroll. Your Medicare card will be mailed to you about 3 months before your 65th birthday.

Once again, if your 65th birthday is March 30th, your Medicare effective date will be March 1st. (Note: If your birthday is on the 1st day of a month, Medicare Part A and Part B will be effective the 1st day of the prior month. For example, if your 65th birthday is February 1st, your Medicare effective date would be January 1st.)

If you are age 65 or older, and you are not getting Social Security benefits –

If you are not getting Social Security benefits, you can apply online for retirement benefits and Medicare's Part A (Hospital Insurance) and Part B (Medical Insurance). If you would like to apply only for

Medicare benefits, you can call 1-800-772-1213.

If you are under age 65 and disabled –

If you are under age 65 and disabled, and have been entitled to disability benefits under Social Security or the Railroad Retirement Board for 24 months, you will be automatically entitled to Medicare Part A and Part B beginning the 25th month of disability benefit entitlement. You will not need to do anything to enroll in Medicare. Your Medicare card will be mailed to you about 3 months before your Medicare entitlement date. (Note: If you are under age 65 and have Lou Gehrig's disease (ALS), you get your Medicare benefits the first month you get disability benefits from Social Security or the Railroad Retirement Board.) For more information about enrollment, call the Social Security Administration at 1-800-772-1213 or visit their web site at SocialSecurity.gov.

— Part D (Prescription Drug Coverage) —

Medicare's Prescription Drug Benefit (Part D) is provided by many different insurance companies, HMOs, and other health-related companies. As a result, you must enroll separately even if you are already enrolled in Part A and Part B.

If you are already on Medicare. you can join a plan in the following ways:

By paper application. Contact the company offering the drug plan you want and ask for an application. After you fill out the form, mail or fax it back to the company.

On the plan's website. Visit the drug plan company's website. You may be able to join online.

On Medicare's website. You will also be able to join a drug plan at www.Medicare.gov by using Medicare's online enrollment center. More information is available through their online tool, the Medicare Prescription Drug Plan Finder .

By calling Medicare. Call 1-800-MEDICARE (1-800-633-4227) and talk to a Medicare customer service representative. TTY users should call 1-877-486-2048.

For more information, including a description of people who do not have to enroll in the new Part D benefit, visit the Medicare.gov website.

If you are NOT YET on Medicare. you can apply for the new Part D prescription drug benefit at any time beginning 3 months before the month of your 65th birthday, or you can delay your decision for up to 3 months after the month of your 65th birthday. For example, if your 65th birthday is August 20th, you can apply for Part D at any time from May 1st to November 30th without any penalty.

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Source: www.todaysseniors.com

Category: Insurance

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