What You Need To Know About Applying For Medicare When You Are 65
Most people believe that enrolling in Medicare when you are 65 is simple and straightforward. However, depending on the circumstances, this may not be the case. For example, if someone continues to work when they turn 65 or if they have health insurance under their spouse, that can complicate things. Below are some things to keep in mind if you are almost 65 and wondering about signing up for Medicare and also don’t forget that you can visit https://www.medicareadvantageplans2020.org to get more information.
- If you are already receiving Social Security retirement benefits, a Medicare card will be automatically sent to you three months before your 65th birthday. You will be enrolled in Medicare Part A and Medicare Part B. Part B will now follow the instructions we sent you and send the card back to Social Security.
- If you are still working, you will not automatically enroll in Medicare when you are 65. If you want Medicare, you should contact your Social Security Administration to apply.
- You have 7 months to register for Medicare, beginning 3 months prior to your birthday month and 3 months after your birth day.
- If you are still working and your employer employs more than 20 people, Medicare B may not be required immediately. Get in touch with your human resources. representative for more information.
- If you stop working and have a retirement plan through your employer, you must enroll in Medicare Part B.
- Medicare A and Medicare B do not cover all services 100%. Generally, you will need a Medicare supplement plan or a Medicare Advantage plan to help cover some of the costs not covered by Medicare. Medicare supplement plans and Advantage plans are private insurance plans.
- Medicare Advantage plans are also known as Medicare Part C. You are eligible to choose and apply for a Medicare Advantage plan at the time you are eligible for Medicare. You can join the seven-month period that starts 3 months prior to your birth month and three months after your birthday month.
- You are also eligible to enroll in a Medicare supplement plan at the time you are eligible for Medicare. You have a six-month period to enroll in a supplemental plan, starting the month you are 65 and/or when you are eligible for Medicare Part B.
- You should not have a Medicare supplement plan and a Medicare Advantage plan at the same time. You will have to choose one or the other.
- Medicare Part D is the prescription drug plan. You will not automatically be enrolled in the Medicare Part D plan. You must enroll in a Medicare Advantage plan (which includes drug coverage) or an independent plan that offers only Part D of Medicare.