Thursday, May 19, 2022

Can I Get Medicare Without Drawing Social Security

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Can You Get Medicare Without Social Security?

Typically, Medicare is only available for people who are 65 years old or more, younger people with disabilities and people with End Stage Renal Disease can also qualify. Medicare has two parts, Part A and Part B . You are qualified for premium-free Part A if you are 65 years old or more and you or your spouse worked and paid Medicare taxes for at least 10 years.

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Medicare And Social Security

If you apply for Medicare only and wish to delay your Social Security benefits, there is no penalty in terms of how much coverage you will receive from Medicare.

If you receive Medicare and continue to work until full retirement age, between age 66 and 67 depending on the year you were born, it will increase the lifetime benefits that the SSA can pay you each month.

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When To Start Your Medicare Benefits

Unlike Social Security, Medicare is a program in which you cannot enroll until you turn 65. However, you can qualify earlier if you have certain disabilities. So even if you start your Social Security benefits at age 62 you will not age into Medicare until age 65.

Most people enroll in Medicare at 65, but some people who are still working will delay their Medicare benefits. Well explain more on this below.

What Happens If You Dont Sign Up For Medicare

Can I get social security without Medicare?

Its always your choice whether you sign up for Medicare, but you should understand the consequences of not signing up for this health insurance, including:

  • Youll pay the full amount for all medical care unless you have private health insurance
  • You may face delays getting Medicare coverage in future
  • Youll face penalties if you change your mind and sign up for Medicare later

Automatic enrollment for Social Security beneficiaries makes getting Medicare easy. While you always have a choice about which Medicare plans you keep, consider their benefits now and in the future before making any decisions about your insurance-based coverage.

Zia Sherrell is a digital health journalist with over a decade of healthcare experience, a bachelors degree in science from the University of Leeds and a masters degree in public health from the University of Manchester. Her work has appeared in Netdoctor, Medical News Today, Healthline, Business Insider, Cosmopolitan, Yahoo, Harper’s Bazaar, Men’s Health and more.

When shes not typing madly, Zia enjoys traveling and chasing after her dogs.

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Medicare Supplement Plan Eligibility

Medicare supplemental insurance, often called Medigap because it fills in the out-of-pocket coverage gaps in Medicare Parts A and B, is purchased from private insurers.

Medigap helps cover copayments, coinsurance and deductibles from Medicare Part A and Part B.

To be eligible for Medigap coverage, you must meet one of these qualifications:

  • You must be 65 or older.
  • You have been diagnosed with Lou Gehrigs disease.
  • You have been receiving Social Security or Railroad Board disability payments for 24 months.
  • You must have been diagnosed with end-stage renal disease, requiring regular dialysis or a kidney transplant.

You cannot enroll in a Medicare Advantage plan and a Medigap plan at the same time. You have to choose one or the other.

What Insurance Do You Get With Social Security Disability

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.

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Is Medicare Free At 65

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.

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Editors Note: Journalist Philip Moeller, who writes widely on health and retirement, is here to provide the Medicare answers you need in Ask Phil, the Medicare Maven. Send your questions to Phil.

Moeller is a research fellow at the Center on Aging & Work at Boston College and co-author of How to Live to 100. He wrote his latest book, How to Get Whats Yours: The Secrets to Maxing Out Your Social Security, with Making Sen$es Paul Solman and Larry Kotlikoff. Follow him on Twitter or email him at .

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Adding Part B Benefits

When qualifying for benefits at the age of 65, a person will get the benefits of Part A, along with Part B. Part A and Part B combined are known as Original Medicare. Weve covered Part A, now well look at the two areas covered with Part B. Again, these are defined by Medicare.gov.

  • Medically necessary services: Services or supplies that are needed to diagnose or treat your medical condition and that meet accepted standards of medical practice.
  • Preventative services: Health care to prevent illness or detect it at an early stage, when treatment is most likely to work best.

Unlike Part A, there is a Part B premium that most people will have to pay. However, the standard premium is minimal, currently $135.50. Those with an income below $85,000 will pay the standard Medicare premiums.

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When You’re Eligible For Social Security

Today, older adults become eligible for full Social Security retirement benefits at age 66 or 67 depending on their birth year and whether they or their spouse have met the work credit requirement.

For anyone born in 1929 or later, the minimum work credit requirement for Social Security benefits is 40 credits or 10 years of work. The year you can start taking full Social Security benefits is known as your full retirement age or normal retirement age. If you were born on January 1 of any year, refer to the previous year when calculating your full retirement age.

Age for Receiving Full Social Security Benefits
Birth Year
1960 and later67

Unlike Medicare, older people can opt to start taking their benefits before their full retirement age. The earliest you can begin taking Social Security benefits is age 62. However, if you begin taking Social Security payments before your full retirement age, you will receive a reduced monthly benefit for the remainder of your life.

If you are a widow or widower, you can start claiming your spouse’s reduced Social Security benefits when you are age 60, or 50 if you are disabled. You can then switch to taking your own full benefit at your full retirement age.

You can also choose to delay your Social Security benefit past full retirement age until age 70. This will often make you eligible for delayed retirement credits, which increase your monthly benefit for the remainder of your life.

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Should I Sign Up For Medicare Part A

Most people who have worked and paid Medicare taxes for 10 years can get Medicare Part A with no monthly premium. Because of this, many people choose to sign up for Medicare Part A even if they have health insurance through work.

Medicare Part A covers things like hospice care and skilled nursing facility care that your health plan through work might not cover.

When youre getting Social Security benefits, youre automatically signed up for Part A. If youre not getting Social Security, you should sign up directly through Social Security. Find out how to sign up in our Help Center.

Tip: Always talk to your company’s human resources department before you make the decision to sign up for Medicare. Your health insurance plan might work differently for you after you sign up for Medicare.

How Do I Enroll In Medicare If I Dont Receive Social Security Benefits

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If you arent yet receiving Social Security benefits, you can still enroll in Medicare health insurance. To do this, you have to enroll manually, as there is no automatic enrollment for those who arent already receiving Social Security or Railroad Retirement Board benefits before they turn 65. Let’s take a look at what your options are.

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If I Retire At Age 62 Will I Be Eligible For Medicare At That Time

Fact checked Reviewed by: Leron Moore, Medicare consultant –

Medicare is federal health insurance for people 65 or older, some younger people with disabilities, and people with end-stage kidney disease. Most commonly, you are eligible for Medicare when you turn 65, but there are other health insurance options if you are younger and do not have coverage through you or your spouses employer.

What you should know

  • 1The typical age requirement for Medicare is 65, unless you qualify because you have a disability.
  • 2If you retire before 65, you may be eligible for Social Security benefits starting at age 62, but you are not eligible for Medicare.
  • 3You have options for health insurance if you are too young for Medicare. You may obtain it through your employer, or you can purchase from private-sector insurance companies through the health insurance exchange. You may be eligible for Medicaid, which is based on income.
  • 4If you retire before you are 65, you may be eligible for employer-provided group health insurance under the Consolidated Omnibus Budget Reconciliation Act .

Medicare was established in 1965 in order to provide health coverage for seniors who would otherwise not be covered by employer-sponsored health insurance plans. If you retire at the age of 62, you may be eligible for retirement benefits through social security, but early retirement will not make you eligible for Medicare.

Plan First Withdraw Later

Healthcare coverage can be a major retirement expense, and Medicare is not all-inclusive. Before you choose to take Social Security, make sure you’ve reviewed your budget, being careful to factor in healthcare costs, inflation and unexpected events.

Don’t underestimate those expenses. A fixed income may not allow for much fluctuation. Also people are living longer, so retirement may be longer than you plan for. According to the SSA, more than 1 in 3 of today’s 65-year-olds will live to age 90. More than 1 in 7 will live to age 95.7

The decision of when to take Social Security is important and personal. It will likely factor in to how you meet current and future healthcare needs.

Plan before you make your next move, and be better prepared for what lies ahead. For added peace of mind, consult a financial advisor before making any major decisions about your Social Security and retirement date.

This material is provided for informational use only and should not be construed as medical advice or used in place of consulting a licensed medical professional. You should consult your doctor to determine what is right for you.

Humana is a Medicare Advantage HMO, PPO and PFFS organization and a stand-alone prescription drug plan with a Medicare contract. Humana is also a Coordinated Care plan with a Medicare contract and a contract with the state Medicaid program. Enrollment in any Humana plan depends on contract renewal.

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What Should I Do During The Initial Enrollment Period

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.

Medicare Misconceptions When Aging In

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One big misconception is that every American automatically gets Medicare at age 65. Those who are collecting Social Security will automatically enroll in Part A and Part B. However, they will need to shop around for a Part D or Advantage plan to obtain prescription drug coverage.

If youre not yet collecting Social Security when your 65th birthday comes around, youll need to sign up for Medicare through the Social Security Administration. Its best to take advantage of your Initial Enrollment Period to do so.

While Medicare isnt mandatory, picking it up after lacking creditable coverage once youre eligible will cost you. Penalties also apply to prescription drug coverage. So, even if you dont currently take prescription medications, putting off your coverage can cost even more in the long run.

The amount of cost-sharing that comes with Medicare coverage is a shock to many new beneficiaries. Premiums, deductibles, and coinsurance can add up over a short time on Original Medicare.

A Medicare enrollee may learn how Medigap policies can reduce cost-sharing after their Medicare Supplement Open Enrollment window closes. Consequently, their selection of plan options may be smaller.

Also, many people are surprised to find out Medicare wont cover chronic needs or custodial care. Meaning, if you eventually need to live in a nursing home permanently, payment will be entirely out-of-pocket.

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Can I Get Medicare Coverage If I Don’t Sign Up For Social Security At 65

Who is this for?

If you’re not planning on signing up for Social Security right away, you can still enroll in Medicare. Learn how here.

These days, people are retiring later in life than their parents did. If youre still working, you might not want to start collecting Social Security benefits right when you turn 65.

But you can enroll in Medicare at 65 even if youre not getting Social Security. In some cases, signing up for Medicare as soon as youre eligible is better than waiting.

Heres why:

  • Medicare might have better coverage than your health insurance plan through work.
  • If you dont have a comparable health insurance plan and you wait to sign up for Medicare, your Medicare premiums will be higher when you do sign up.

Medicare Eligibility If You Are Under 65

People younger than 65 may qualify for Medicare if they have certain costly medical conditions or disabilities.

If you are under 65, you qualify for full Medicare benefits if:

  • You have been receiving Social Security disability benefits for at least 24 months. These do not need to be consecutive months.
  • You have end-stage renal disease requiring dialysis or a kidney transplant. You qualify if you or your spouse has paid Social Security taxes for a specified period of time based on your age.
  • You have amyotrophic lateral sclerosis, also known as Lou Gehrigs disease. You qualify for Medicare immediately upon diagnosis.
  • You receive a disability pension from the Railroad Retirement Board and meet certain other criteria.

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Taking Medicare But Not Social Security

It is possible to enroll in Medicare coverage but delay taking your Social Security retirement benefits. For many workers, this strategy might be financially advantageous.

For most older people, it is a good idea to enroll in all parts of Medicare coverage they plan to use as soon as they are eligible at age 65. If you delay enrolling, Medicare Part D may become more expensive. If you delay signing up for Part B, you may also experience a gap in your coverage or have to pay a late enrollment penalty.

However, if you can afford to, it is often a smart financial decision to delay receiving Social Security benefits until at least your full retirement age in order to increase the benefit you receive. This may mean that there are several years during which you are enrolled and covered by Medicare but not yet receiving your monthly Social Security benefit.

Can A 62 Year Old Get Medicaid

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Yes. Medicaid qualification is based on income, not age. While Medicaid eligibility differs from one state to another, it is typically available to people of lower incomes and resources including pregnant women, the disabled, the elderly and children.

Learn more about the difference between Medicare and Medicaid.

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