Monday, May 16, 2022

Can I Sign Up For Medicare But Not Social Security

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The Basics On Signing Up

Medicare: Signing Up with the Social Security Administration

Medicare enrollment in Part A and Part B is automatic if you have claimed Social Security benefits before your 65th birthday your Medicare card will arrive in the mail and coverage begins the first day of the month in which you turn 65. There is no premium charged for Part A in most cases, and you may be able to turn down Part B at that point without incurring late-enrollment penalties if you are still working and receive your primary insurance through work.

If you have not yet applied for Social Security, signing up for Medicare requires proactive steps to avoid problems.

Medicare offers an Initial Enrollment Period around your 65th birthday. If you miss that window, you will be subject to a late enrollment surcharge equal to 10 percent of the standard Part B premium for each 12 months of delay a penalty that continues forever. That can really add up. In 2017, 1.3 percent of Part B enrollees paid penalties , according to the Congressional Research Service. On average, their total premiums were 31 percent higher than what they would have been.

Medicares prescription drug program comes with a much less onerous late enrollment penalty, equal to 1 percent of the national base beneficiary premium for each month of delay. In 2019, the base monthly premium is $33.19, so a seven-month delay would tack $2.32 onto your plans premium.

Late enrollment also exposes you to significant gaps while waiting for Medicare coverage.

Details are available on this Medicare fact sheet.

Already Enrolled In Medicare

If you have Medicare, you can get information and services online. Find out how to .

If you are enrolled in Medicare Part A and you want to enroll in Part B, please complete form CMS-40B, Application for Enrollment in Medicare Part B . If you are applying for Medicare Part B due to a loss of employment or group health coverage, you will also need to complete form CMS-L564, Request for Employment Information.

You can use one of the following options to submit your enrollment request under the Special Enrollment Period:

  • Fax or mail your CMS-40B, CMS-L564, and secondary evidence to your local Social Security office .
  • Note: When completing the forms CMS-40B and CMS-L564

    • State I want Part B coverage to begin in the remarks section of the CMS-40B form or online application.
    • If possible, your employer should complete Section B.
    • If your employer is unable to complete Section B, please complete that portion as best as you can on behalf of your employer without your employers signature and submit one of the following forms of secondary evidence:
      • Income tax form that shows health insurance premiums paid.
      • W-2s reflecting pre-tax medical contributions.
      • Pay stubs that reflect health insurance premium deductions.
      • Health insurance cards with a policy effective date.
      • Explanations of benefits paid by the GHP or LGHP.
      • Statements or receipts that reflect payment of health insurance premiums.

    Some people with limited resources and income may also be able to get .

    When To Sign Up For Medicare Part B

    If youre retiring, the best time to enroll in Part B is during your Initial Enrollment Period. For those still working past 65, check with your health administrators whether your employer coverage is creditable.

    If it is, you can enroll in Part B when you retire or leave your group health plan. Youll be eligible for a Special Enrollment Period when you can enroll without any penalties. If your group health plan is not considered creditable coverage, then you should register for Part B during your Initial Enrollment Period.

    If you missed your Initial Enrollment Period, the next enrollment window you can enroll in Part A and Part B is the General Enrollment Period.

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    The Parts Of Medicare

    Social Security enrolls you in Original Medicare .

    • Medicare Part A helps pay for inpatient care in a hospital or limited time at a skilled nursing facility . Part A also pays for some home health care and hospice care.
    • Medicare Part B helps pay for services from doctors and other health care providers, outpatient care, home health care, durable medical equipment, and some preventive services.

    Other parts of Medicare are run by private insurance companies that follow rules set by Medicare.

    • Supplemental policies help pay Medicare out-of-pocket copayments, coinsurance, and deductible expenses.
    • Medicare Advantage Plan includes all benefits and services covered under Part A and Part B prescription drugs and additional benefits such as vision, hearing, and dental bundled together in one plan.
    • Medicare Part D helps cover the cost of prescription drugs.

    Most people age 65 or older are eligible for free Medical hospital insurance if they have worked and paid Medicare taxes long enough. You can enroll in Medicare medical insurance by paying a monthly premium. Some beneficiaries with higher incomes will pay a higher monthly Part B premium. To learn more, read .

    When To Start Your Medicare Benefits

    Can I sign up for Medicare and not Social Security ...

    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.

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    Special Circumstances: Medicare With Als Or End

    Medicare eligibility rules for people with ALS or end-stage renal disease are different. Individuals who qualify for Medicare with ALS or ESRD do not have to wait for your 25th month of disability to be eligible for Medicare.

    If you qualify with ALS: You will automatically get Medicare Part A and Part B the month your disability benefits begin. 7

    If you qualify with ESRD:8

    • For most people, Medicare coverage will start on the 1st day of the 4th month of dialysis treatment.
    • If you have an employer group health plan, Medicare will begin on the fourth month of dialysis.
    • Treatments if you have employer coverage.
    • If you participate in an at-home dialysis training program, your coverage may begin the first month of a regular course of dialysis provided the following are true:
    • You participated in training from a Medicare-approved training facility for the first three months of your regular dialysis
    • Your doctor expects you to finish training and be able to do your dialysis treatments yourself

    Note, according to Medicare in order to qualify with ESRD all of the below must apply:9

    For further information related to ALS and Medicare, visit www.alsa.org.

    For further information related to ESRD and Medicare, visit www.medicare.gov.

    Medicare Part B Enrollment Sometimes Automatic Sometimes Not

    U.S. citizens and legal permanent residents of at least five continuous years may be eligible for Medicare coverage. Youre usually enrolled in Medicare Part A and Part B automatically when you turn 65 or qualify by disability at any age and you receive Social Security Administration or Railroad Retirement Board benefits. For details about how you qualify for automatic enrollment, see Medicare Enrollment.

    Youre not automatically enrolled in Medicare Part B in all situations. Here are a few examples of when you may qualify for Part B, but you need to sign up manually:

    • If you live in Puerto Rico, youre typically signed up for Medicare Part A automatically when you turn 65 if youre collecting SSA or RRB benefits. However, you need to manually.
    • If you have end-stage renal disease , regardless of your age, you may qualify for Medicare but you generally have to apply manually.
    • If youre not receiving SSA or RRB benefits when you turn 65, if you want to enroll in Medicare Part B, you need to sign up for it.

    You can sign up for Medicare Part B during the following enrollment periods:

    To add Medicare Part B, contact the Social Security Administration at 1-800-772-1213 , 7AM-7PM, Monday to Friday. For additional information, contact Medicare at 1-800-MEDICARE , 24 hours a day, 7 days a week.

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    When Do I Have To Sign Up For Medicare

    How to Sign Up for Medicare when your on Social Security

    If youre collecting Social Security, youll automatically be enrolled in both Part A and Part B. If youre not receiving Social Security, then youll want to sign up manually during your Initial Enrollment Period.

    Three months before your 65th birthday, your Initial Enrollment Period window will start. Your IEP is a once-in-a-lifetime enrollment window that you dont want to miss.

    If you do happen to miss it, youll have another opportunity to enroll during another enrollment period. However, you could get a penalty for not signing up when you first become eligible. The only way around the penalty is if you have creditable coverage.

    Recommended Reading: How Are Social Security Payments Determined

    How To Apply For Medicare

    Medicare enrollment is easier than ever. Once you meet eligibility requirements, you are ready to choose from a variety of plans in which to enroll. As we mentioned earlier, some beneficiaries can receive automatic enrollment, and some have to apply manually.

    There are three ways to apply for Medicare Part A and Part B:

  • Fill out an online application at SSA.gov
  • Visit a local Social Security office in person
  • If you have previously been a railroad employee, you can enroll in Medicare by contacting the Railroad Retirement Board, Monday Friday, from 9:00 AM 3:30 PM at 1-877-772-5772.

    Medicare applications generally take between 30-60 days to obtain approval.

    When Do I Sign Up For Medicare Advantage

    Before you sign up for Medicare Advantage, make sure you weigh the pros and cons of Medicare Advantage vs. Medicare Supplements. If you choose to sign up for Medicare Advantage, you can do so during your IEP.

    If you missed your IEP, you can join during the Medicare Annual Enrollment Period. For those currently enrolled in a Medicare Advantage plan, you also have another opportunity to make changes during the Medicare Advantage Open Enrollment Period.

    Read Also: Track Someone By Social Security Number

    How Do I Enroll In Medicare

    Administration at 1-800-772-1213 to enroll in Medicare or to ask questions about whether you are eligible. You can also visit their web site at www.socialsecurity.gov.

    The Medicare.gov Web site also has a tool to help you determine if you are eligibile for Medicare and when you can enroll. It is called the Medicare Eligibility Tool.

    What If I Go Through Insurance

    Can I Sign Up for Social Security and Medicare at the Same ...

    13News reached out to Anthem Blue Cross and Blue Shield, and the Centers for Medicare and Medicaid Services to see what information they use to process claims.

    A spokesperson for Anthem Blue Cross and Blue Shield said it does not require providers to include the patients SSN when submitting a claim. Just name, date of birth, date of service, coding for the visit. Not social security numbers.

    A spokesperson for the Centers for Medicare and Medicaid Services said A doctors office would only need the data from a beneficiarys Medicare card to process a Medicare claim. Starting in April 2018, CMS began distributing new Medicare cards replacing the Social Security-based Medicare number with a new randomly generated Medicare number, for all Medicare beneficiaries in an effort to reduce Medicare and Social Security fraud and abuse.

    However, keep in mind, that a doctor or business can turn you away if you opt not to provide it.

    Businesses that typically require your social security number are those that need to alert the IRS or comply with financial regulations.

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    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.

    What Other Times Can You Sign Up

    You may also become eligible for Medicare for other reasons. If youre eligible due to a disability, you qualify after youve received Social Security disability or certain Railroad Retirement Board disability benefits for 24 months.

    If you have end-stage renal disease , youre eligible in the fourth month of dialysis treatment, possibly earlier.9 And if you have ALS, you qualify the same month your disability benefits begin.10

    Read Also: What Is My Expected Social Security Benefit

    At What Age Do I Qualify For Social Security

    You can begin collecting Social Security retirement benefits as early as age 62. Doing so, however, is often not advisable, since it means lowering your monthly benefits potentially for life.

    To collect the full monthly benefit your earnings record entitles you to, you must wait until full retirement age to sign up for Social Security. Depending on your year of birth, that age will fall out somewhere between 66 and 67. For each month you file for Social Security ahead of full retirement age, youll face a reduction in your monthly benefits that will likely remain in effect indefinitely, unless you manage to go through the motions of withdrawing your application soon after filing it.

    Where Do You Go To Sign Up For Medicare

    Turning 65? How to Sign Up for Medicare and Social Security

    How to sign up for Medicare. If you have to sign up for Medicare whether its just Part B, or Part A, or both there are a few ways you can do it. Sign up online by filling out a form on the Social Security website. Visit a Social Security office in person. Call Social Security at 1-800-772-1213.

    Also Check: How To Get A Replacement Social Security Card Fast

    Reasons To Delay Medicare

    If youre thinking about deferring Medicare, discuss the pros and cons with your current insurer, union representative, or employer. Its important to know how or if your current plan will work with Medicare, so you can choose the most comprehensive overage possible.

    Some of the common reasons you may want to consider deferring Medicare include:

    • You have a plan through an employer that you want to keep.

    Applying For Medicare Online

    Applying for Medicare online is a quick and easy process on the Social Security website, taking approximately ten minutes. After you have applied for Medicare online, you can check the status of your application and/or appeal, request a replacement card, and print a benefit verification letter.

    You can easily apply online for Medicare and Social Security retirement benefits or just Medicare.

    Once you apply for Part B, give us a call so we can help you choose a supplement plan to cover what Medicare doesnt.

    If youre not comfortable applying for Medicare online, you can do so over the phone.

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    Applying For Medicare By Phone

    Just like applying online, applying for Medicare by phone is easy. You can contact a representative at 1-800-772-1213.

    Depending on the volume of calls, there might be a wait time. If the wait time is above average, you can schedule an appointment to have a representative call you.

    The only downfall with applying for Medicare by phone is that it can take longer compared to online. If youre ahead of the game and start well before your birthday, then applying by phone shouldnt cause any issues. If you do not wish to apply online or by phone, you can choose to do so in person.

    Applying For Medicare With Employer Coverage

    Can I Sign Up for Social Security and Medicare at the Same ...

    Can you still enroll in Medicare coverage, even if youre not yet seeking retirement? The answer is yes! Medicare coverage can coincide with your group coverage through your employer. If your employer has more than 20 employees, your group coverage will work as your primary insurance, and Medicare will be your secondary insurance.

    You can choose to apply for Part B, or you can wait until leaving your employer group coverage. For more information on the benefits of obtaining Medicare while receiving group coverage through work, give our team a call, and we can review the pros and cons.

    Sometimes beneficiaries dont want to apply for Part B when they initially become eligible because of employer health coverage. Should you lose your health insurance through your employer, or if you prefer to switch over to Medicare, you can apply any time while receiving coverage through your employer.

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