Thursday, June 16, 2022

Can I Get Medicare Without Collecting Social Security

Don't Miss

Who Qualifies For Free Medicare

Can You Get Medicare Without Social Security?

You are eligible for premium-free Part A if you are age 65 or older and you or your spouse worked and paid Medicare taxes for at least 10 years. You can get Part A at age 65 without having to pay premiums if: You are receiving retirement benefits from Social Security or the Railroad Retirement Board.

Examine Atentamente Su Factura

El tipo de factura de Medicare que recibe muestra si está en riesgo de perder su cobertura Medicare por pagos atrasados:

Si el cuadro de la esquina superior derecha dice


Haga esto

Esto no es una facturaUsted se inscribió en el Pago Fácil de Medicare. El pago de su prima se debitará automáticamente de su cuenta bancaria alrededor del dÃa 20 de cada mes.No necesita hacer nada.
Primera facturaEsta es su primera factura o ya ha pagado el monto completo de su última factura.EnvÃe un pago por el monto total adeudado. Medicare debe recibir su pago antes de la fecha de vencimiento de la factura o se considerará vencida.
Segunda facturaMedicare no recibió el pago antes de la fecha de vencimiento que se mostraba en la Primera factura. .EnvÃe el pago por el total de la cantidad adeudada antes de la fecha de vencimiento de la factura.
Factura en moraMedicare no recibió el pago antes de la fecha de vencimiento que se mostraba en la Segunda factura. . Si usted no paga la cantidad total adeudada, perderá su cobertura de Medicare.EnvÃe un pago por el monto total adeudado antes de la fecha de vencimiento para no perder su cobertura de Medicare. Esta es la última factura que recibirá.

Todas las facturas de Medicare vencen el dÃa 25 del mes. En la mayorÃa de los casos, la prima se debe pagar el mismo mes en que se recibe la factura. Por ejemplo, Medicare ejecuta la factura de abril el 27 marzo. Recibirá la factura a principios de abril y vence el 25 abril.

Can You Immediately Receive Medicare With Social Security

For those on Social Security Disability, Medicare enrollment will begin after 24 months of collecting benefits. The exception is when you have End-Stage Renal Disease or Amyotrophic Lateral Sclerosis those conditions allow you to qualify immediately. If you dont collect Social Security, youll need to apply for Medicare yourself.

Read Also: Who Can Receive Social Security

Do I Have To Enroll In Medicare At 65

If you have chosen to continue working and postpone receiving Social Security payments, you might wonder if you can postpone receiving Medicare.

In this case, you may want to ask Medicare to postpone your Part B Medicare. You cannot receive Social Security benefits after 65 without Medicare Part A coverage. Dont worry, Medicare Part A doesnt cost most people anything, so this shouldnt be an issue.

If you delay Medicare Part B and Part D because you are still working and therefore covered by your employer, you can add those parts later when you retire.

If you work for an employer with less than 20 employees, Medicare will be the primary insurance, so you should choose to keep both Parts A and B and your employer will be a secondary insurance provider.

Disabilities Or Medical Conditions

Can I Get Medicare Without Social Security?

If a person has certain disabilities or medical conditions, they may be able to get premium-free Medicare Part A before they are aged 65 or older.

For example, a person with end stage renal disease may be eligible for premium-free Part A if they also meet one of the following conditions:

  • they must also be on dialysis or have received a kidney transplant
  • they qualify for Railroad Retirement Board benefits
  • they qualify for Social Security retirement benefits
  • they have a parent or spouse who is eligible for social security retirement benefits

A person with Lou Gehrigs disease is eligible for Part A coverage in the first month in which they get disability benefits.

A person can use this tool to check if they are eligible and the cost of premiums.

Also Check: Social Security Monthly Benefit

Top 5 Things You Need To Know About Medicare Enrollment

1. People are eligible for Medicare for different reasons.

Some are eligible when they turn 65. People under 65 are eligible if they have received Social Security Disability Insurance or certain Railroad Retirement Board disability benefits for at least 24 months. If they have amyotrophic lateral sclerosis , theres no waiting period for Medicare. Some people with End Stage Renal Disease may be eligible for Medicare. Its important to know the different ways that people qualify for Medicare so you can help current and former employees and their dependents anticipate their eligibility for Medicare so they can make timely and appropriate decisions about their enrollment.

2. Some people get Medicare Part A and Part B automatically and some people need to sign up for them.

People living in the United States and U.S. Territories who are already collecting Social Securityeither disability or retirementare automatically enrolled into Part A and Part B when theyre first eligible. These people will get a packet of information a few months before they turn 65 or receive their 25th month of Social Security Disability or Railroad Retirement Board benefits. At that time, they can choose to keep or decline Part B, but cant decline Part A unless they withdraw their original application for Social Security and pay back all Social Security cash benefits.

3. Enrolling in Medicare can only happen at certain times.

Qu Pasa Si Se Atrasa El Pago De Mi Prima

Si se atrasa en el pago de su primera factura, recibirá una segunda factura. Su segunda factura incluirá tanto las cantidades anteriores como la prima del próximo mes. Si no paga el monto total adeudado antes del 25 del mes, recibirá una factura en mora. Si recibe una factura en mora y no paga su cantidad total antes del dÃa 25, perderá su cobertura Medicare.

Don’t Miss: Social Sequrity

A Note On The Railroad Retirement Board

The Railroad Retirement Board is a government agency that provides benefits to retired railroad workers. Although it is distinct from Social Security, the RRB can also play into many of the Medicareeligibility requirements.

In most cases, when a Medicare guideline is contingent on receiving Social Security benefits, it is more accurate to say that it depends on Social Security or Railroad Retirement Board benefits.

Protect Yourself Going Forward

How to Apply for Medicare Without Claiming Social Security

Once youve followed all the steps to get your replacement Social Security card, its wise to take action to protect yourself. You may have received a new physical card, but your Social Security number will remain unchanged, and anyone who comes into possession of your old card can use it to commit fraud. This may mean staying diligent about whats on your credit report for years to come.

The good news is theres a lot you can do to prevent your Social Security card from being used nefariously. In addition to taking steps to protect your identity, make sure your new card is stored safely and securely and only leaves your home or safety deposit box when absolutely necessary. Losing possession of your Social Security card can be a nerve-wracking experience, but youve got tools at your disposal to make sure its replaced quickly and your identity is protected for years to come.

You May Like: Does Cigna Have A Medicare Supplement Plan

Also Check: Social Security Points Check

You Automatically Get Medicare

  • You should already have Part A and Part B , because you have ALS and youre already getting disability benefits.
  • We mailed you a welcome package with your Medicare card.

Sign up for Part B if you live in Puerto Rico or outside the U.S.

  • Well mail you a welcome package with your Medicare card 3 months before your Medicare coverage starts.

Sign up for Part B if you live in Puerto Rico or outside the U.S.You get Part A automatically. If you want Part B, you need to sign up for it. If you dont sign up for Part B within 3 months after your Part A starts, you might have to wait to sign up and pay a monthly late enrollment penalty.

  • Well mail you a welcome package with your Medicare card 3 months before your Medicare coverage starts.

Sign up for Part B if you live in Puerto Rico or outside the U.S.You get Part A automatically. If you want Part B, you need to sign up for it. If you dont sign up for Part B within 3 months of turning 65, you might have to wait to sign up and pay a monthly late enrollment penalty.

Recommended Reading: How Do I Qualify For Medicare Low Income Subsidy

Enrollment Windows Are Limited

If youre thinking about delaying your enrollment in Medicare, keep in mind that there are enrollment windows that apply. After your initial enrollment window ends, you can only sign up for Medicare Part A and B during the general annual enrollment period from January 1March 31, with coverage effective July 1.

And you can sign up for Part D during the annual enrollment period from October 15December 7, with coverage effective January 1 of the coming year.

So if you delay your enrollment, you could be paying higher premiums when you eventually do enroll, and youll have to wait until an open enrollment period in order to have access to coverage. If youre only enrolled in Part A, for example, and you get diagnosed with a serious illness in April, youll have to wait until the following January to have Part D coverage, and until the following Julymore than a year in the futureto have Part B coverage.

Keep all of this in mind when youre deciding whether to enroll in the parts of Medicare that have premiums.

You May Like: Social Security Retirement Money

Medicare Special Enrollment Period

You may choose not to enroll in Medicare Part B when you are first eligible because you are already covered by group medical insurance through an employer or union. If you lose your group insurance, or if you decide you want to switch from your group coverage to Medicare, you can sign up at any time that you are still covered by the group plan or during a Special Enrollment Period.

Your eight-month special enrollment period begins either the month that your employment ends or when your group health coverage ends, whichever occurs first. If you enroll during an SEP, you generally do not have to pay a late enrollment penalty.

The Special Enrollment Period does not apply if youre eligible for Medicare because you have ESRD. Please also keep in mind that COBRA and retiree health coverage are not considered current employer coverage and would not qualify you for a special enrollment period.

What Should I Do During The Initial Enrollment Period

Can You Get Medicare Without Social Security?

If you don’t already receive Social Security benefits when your Initial Enrollment Period comes around, you will have to contact the SSA to manually enroll. This can be done in three ways: online, in person, or by phone.

If you want to enroll by phone, you can call Social Security at 1-800-772-1213, or 1-800-325-0778 for TTY users. The SSA will walk you through what you need to enroll. Just make sure to have your identifying materials like your Social Security number at hand. Agents are available from 7 AM to 7 PM Monday through Friday.

The fastest, easiest way is to enroll online at the central Medicare page from the SSA. If you scroll down the page, you will find a link titled Apply for Medicare Only. This will take you through the application process. It takes less than 10 minutes and is available 24 hours a day, 7 days a week.

Lastly, you can enroll in person by visiting your local Social Security office. These, however, are closed due to the COVID-19 pandemic and have been since March of 2020. After they reopen, if you want to sign up in person, you should call ahead to schedule an appointment.

Each option provides the same result, so just choose whichever works best for you.

Read Also: Social Cecurity

Can I Still Work And Have Medicare At The Same Time

Yes, but you will not be automatically enrolled in Medicare if you are not claiming Social Security benefits. As long as your workplace insurance covers your needs, you are free to stick with it. However, it’s important to consider the size of your company and take advantage of Medicare coverage if you’ve earned it through all your years as a taxpayer.

What If Im Not Ready To Take Out My Social Security Can I Still Apply For Medicare Parts A & B

You can apply for Medicare without drawing your Social Security. A Medicare Insurance agency, like Caress Insurance Agency, Inc., can help you do this, or speak to a representative from Social Security . Note that you will be responsible for the Part B monthly premium , which is billed quarterly if youre not having it taken out of Social Security.

Also Check: What Are My Social Security Benefits Going To Be

So Youre Signed Up With A Plan Now What

  • Once you get your Medicare card and your individual insurance plan cards, find a safe place in to store them. Youll need your insurance cards for your doctor visits and for the pharmacy. Those on Medicare Supplement plans will also need their Medicare Card for doctor visits.
  • In addition to your insurance cards, you should also receive a booklet or letter listing your plans benefits. Keep this information so youre able to stay up to date with your plan coverage.
  • If at any time you misplace one of your cards or cant find information on your benefit plan, an insurance agent can help you replace this information.
  • Save your insurance agents contact information. At any time during the year, you can reach out to them with questions about your plan, benefits, special enrollment periods, and more.
  • Take advantage of your plan benefits. Use the resources Medicare and your insurance company offer you.

What Insurance Do You Get With Social Security Disability

VA Disability & Social Security Disability Insurance | VA & SSDI | Social Security | theSITREP

In most cases, people receiving Social Security Disability Income are automatically enrolled in Original Medicare after serving a 24-month waiting period.

The CMS waives this waiting period for people with ALS or end-stage renal disease. People with these conditions receive Medicare coverage as soon as they collect SSDI.

You May Like: Social Security Per Year

Earnings Limit For Social Security Disability Benefits

So far we have been mainly focused on income limits for those on Social Security retirement benefits. Many people on Supplemental Security Income and SSDI wonder how work affects your benefits as well. In fact, they often ask, How much can I earn while on Social Security Disability in 2021? When it comes to SSI and SSDI, the rules are a little different. Receiving SSDI or SSI benefits means that a person has been found to be disabled and unable to perform substantial gainful activity. This essentially means that they are unable to perform any type of full-time work and thus earn an income. For those qualifying for SSDI or SSI benefits, an earner can make no more than $1,310 per month. Any income above this amount, even from self-employment, will make them ineligible to receive SSI or SSDI benefits.

Remember that those receiving SSI or SSDI might have to worry about Social Security taxes on their Social Security earnings as well. Since the income limits and average benefits are lower, most people receiving disability benefits will not be required to pay any taxes on their benefits. Remember that the Social Security tax limits are adjusted almost every year too, so make sure that you are aware of the current rules. Recipients of SSI and SSDI are also automatically enrolled in Medicare after a certain period of time.

Dont Miss: Does Costco Pharmacy Accept Medicare

Paying Into The System

People who qualify for Medicare have paid for that benefit. The number of years you or your spouse pay the federal government in payroll taxes determines not only your eligibility for the healthcare program but how much you will pay. These tax dollars are intended to safeguard entitlement benefits for you when you need them in the future.

Don’t Miss: Social Security Benefits Based On Salary

Ways To Pay Your Medicare Part B Premium

If youre like most people, you dont pay a monthly premium for your Medicare Part A. However, if you have Medicare Part B and you are receiving Social Security or Railroad Retirement Board benefits, your Medicare Part B premium is usually deducted from your monthly benefit payment.

If you have Medicare Part B but you are not receiving Social Security or Railroad Retirement Board benefits yet, you will get a bill called a Notice of Medicare Premium Payment Due . You will need to make arrangements to pay this bill every month.

If you are required to pay a Part D income-related monthly adjustment amount , you will also need a way to make your payment.

When To Start Your Social Security

Can You Get Medicare Without Social Security?

Here in America, you are eligible to begin taking Social Security benefits as early as age 62. However, that is if you have earned enough credits. The latest that you can start your benefits is at age 70.

If you begin your Social Security benefits at age 62, your benefits will be reduced based on the number of months that you receive your benefits before you have reached your full retirement age.

Your full retirement age in terms of Social Security is generally at age 66 and a half. However, this varies based on the year that you were born. Visit this page on the Social Security website for more specifics.

In very simple terms, taking income benefits earlier than your full retirement ages means your benefit amount will be lower. Waiting and taking those benefits later, up to age 70, means you will have a larger monthly benefit check.

Delaying your Social Security income benefits does not affect your eligibility for Medicare at age 65 either.

Also Check: Search Someone By Social Security Number

More articles

Popular Articles