Part A – Hospital
Most individuals automatically get Part A coverage without having to pay a monthly premium. This is because they or a spouse paid Medicare taxes while working. These individuals receive Part A coverage without paying a Part A premium.
For those individuals who do not automatically qualify for Part A coverage, the Part A premium in 2011 is $248 or $450 a month depending on an individual’s duration of Medicare-covered employment.
Individuals with disabilities who are under age 65 are automatically enrolled in Part A after they have received Social Security or Railroad Retirement disability benefits for 24 months.
Part B – Medical
At Age 65
Most individuals who file an application for Social Security or Railroad Retirement benefits 3 months before they turn age 65 or later are automatically enrolled in Part
B unless they refuse Part B coverage.
Individuals with disabilities who are under age 65 are automatically enrolled in Part B the earlier of:
1) the month they turn 65 if they have received Social Security or Railroad Retirement benefits for at least 4 months before they turn age 65, without having to fill out any additional application for those benefits.
2) the month after they have received Social Security disability benefits for 24 months.
More information is available and you may initiate the enrollment process yourself by visiting http://www.socialsecurity.gov/
Part C – Medicare health plans, which must cover Part A and Part B benefits
Individuals who are entitled to benefits under Part A and enrolled under Part B are eligible to enroll in a Medicare Advantage plan. You may enroll directly by phoning 1-866-527-1910