When Can You Enroll In Medicare
You can apply for Medicare during three distinct enrollment periods: your Initial Enrollment Period, the General Enrollment Period and a Special Enrollment Period when youre getting off your employers health coverage.
Medicare Enrollment Dates
|Change to a 5-star Medicare Advantage or Part D prescription drug plan.|
Lost Or Stolen Federal Payments
Report your lost, missing, or stolen federal check to the agency that issued the payment. It’s usually one of these paying agencies. If your documentation indicates it’s a different agency, and you need its contact information, look in the A-Z Index of U.S. Government Departments and Agencies.
To get an update on your claim, contact the Treasury Department Philadelphia Financial Center at 1-855-868-0151, option 1.
Be Aware Of Other Enrollment Periods
Most people sign up for Medicare during the seven-month initial enrollment period around their 65th birthday.
But what if you missed your initial enrollment period and want to make changes or add additional coverage?
There are specific times each year when you can do this.
Alternate Medicare Enrollment Periods
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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.
Apply For Retirement Benefits
Starting your Social Security retirement benefits is a major step on your retirement journey. This page will guide you through the process of applying for retirement benefits when youre ready to take that step. Our online application is a convenient way to apply on your own schedule, without an appointment. You can also apply by phone or by appointment at a Social Security office.
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Social Security And Medicare
The following information can help you with your Social Security or Medicare benefits. My office stands ready to assist you with any problems or questions you may have. You can send an email here or call my office in Boca Raton at 998-9045.My office can also help you with determining Social Security benefits, as well as Supplemental Security Income and Medicare eligibility.
- Do you want to know if you qualify for disability and SSI? Use Social Security’s Screening Tool to check if you do.
- Do you need information on how to apply for Medicare? Go to the Medicare Frequently Asked Questions page.
- Do you have other general questions about social security services and benefits? Find an answer on the Social Security Administration’s Frequently Asked Questions page.
What Is A Social Security Card
Your Social Security card is an important piece of identification. You’ll need one to get a job, collect Social Security, or receive other government benefits.
When you apply for a Social Security number , the Social Security Administration will assign you a nine-digit number. This is the same number that is printed on the Social Security card that SSA will issue you. If you change your name, you will need to get a corrected card.
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When Do You Apply For Original Medicare
You might not even have to apply for Original Medicare, which includes Part A and Part B . Many people are enrolled automatically. That applies to you if youre already getting Social Security benefits when you turn 65.
But even if youre automatically enrolled in traditional Medicare, you do have to take action if you want other Medicare coverage. For example, say you want to buy a Medicare Supplement insurance plan. The government doesnt enroll you. You need to do that if thats what you want. Well get into this more later on.
Delaying Part B Coverage And Late Enrollment Penalties
You should enroll in Part A when youre first eligible near your 65th birthday, but some people may choose to delay Part B.
If you receive group health insurance at work or through your spouses employer you may be able to delay enrollment in Part B.
But once you stop working or that coverage ends, you must sign up for Part B within eight months. Otherwise, youll face a late enrollment penalty.
If you enroll in Part B after your group health insurance ends, you have options for how to apply.
You can do so online through an application on the Social Security website or by mail.
How to Sign Up for Part B by Mail After Employer Health Insurance Ends
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I Want To Sign Up For Only Part A Or Both Part A & Part B
Once youre eligible to sign up for Medicare , you have 2 options:
Once you sign up , youll get a welcome package with your Medicare card.
Ways To Apply For Disability Benefits:
- If you or your spouse worked for a railroad, call the Railroad Retirement Board at 1-877-772-5772.
Once your disability benefits start, well mail you a welcome package with your Medicare card.
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 for Part B and pay a monthly late enrollment penalty.
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When Is My Medicare Initial Enrollment Period
For most people, enrolling in Medicare Part A is automatic. However, there are several instances where you may have to manually enroll in Medicare Part A and/or Part B during your Initial Enrollment Period , the seven-month period that begins three months before you turn 65, includes the month of your 65th birthday, and ends three months later.
Some situations where you would enroll in Medicare during your initial enrollment include:
When Should I File A Medicare Change Of Address
Whenever you need health care as a Medicare beneficiary, your health-care provider, hospital, or medical supplier will ask to see your Medicare card to verify your benefits. If your card gets lost or stolen, its important to have a current address on file with the Social Security Administration so you can get a replacement Medicare card as quickly as possible.
If you know your address is about to change, you can file a Medicare change of address as soon as you have an address and effective date. Even if you file a change of address form with the post office, its still a good idea to complete a Medicare change of address with Social Security to prevent any delays in receiving important notices and information related to your benefits.
If you have questions about your coverage and Medicare change of address procedures, Im happy to assist you in any way I can. Click one of the links below to schedule a phone call or request an email with information prepared just for you. You can even find out about plans in your area by clicking on the Compare Plans button below.
New To Medicare?
Becoming eligible for Medicare can be daunting. But don’t worry, we’re here to help you understand Medicare in 15 minutes or less.
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What Is The Medicare Part B Late
If you do not sign up for Medicare Part B when you are first eligible, you may need to pay a late enrollment penalty for as long as you have Medicare. Your monthly Part B premium could be 10% higher for every full 12-month period that you were eligible for Part B, but didnt take it. This higher premium could be in effect for as long as you are enrolled in Medicare. For those who are not automatically enrolled, there are various Medicare enrollment periods during which you can apply for Medicare. Be aware that, with certain exceptions, there are late-enrollment penalties for not signing up for Medicare when you are first eligible.
One exception is if you have health coverage through an employer health plan or through your spouses employer plan, you can delay Medicare Part B enrollment without paying a late-enrollment penalty. This health coverage must be based on current employment, meaning that COBRA or retiree benefits arent considered current employer health coverage.
When Does It Pay To Enroll In Medicare Before Social Security
You might assume that it pays to sign up for Social Security prior to Medicare, but in many cases, it actually pays to enroll in Medicare first.
Unless youre disabled, you wont be able to enroll in Medicare prior to age 65. And unless youre continuing to work and receive employer-sponsored coverage, theres no benefit to delaying your Medicare enrollment more than three months after you turn 65.
So in almost all cases, your Medicare enrollment window will correspond closely with your 65th birthday, and the coverage you receive under the program wont vary based on when you enroll. But the age at which you sign up for Social Security will dictate what your monthly benefits under Social Security amount to.
Your Social Security benefits are calculated with a formula that uses your average inflation-adjusted monthly wage over your 35 highest-paid years in the workforce. Your resulting monthly benefit will be available to you in full once you reach whats known as full retirement age. That age is currently between 66 and 67, depending on your year of birth.
If you file for Social Security prior to full retirement age, your benefits will be reduced for each month you claim them early. You can also delay your Social Security benefits past full retirement age and boost them by 8% a year in the process, up until age 70, which is generally considered the latest age to claim Social Security.
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How Do You Apply By Phone
Call 772-1213 or TTY 325-0778 between 7 a.m. and 7 p.m. from Monday through Friday.5 Keep in mind that this process takes longer because forms have to be mailed to you, which you then complete and send back. At peak times, applying for Medicare by phone could take a month or more.
If you worked at a railroad, you can enroll in Medicare by calling the Railroad Retirement Board at 772-5772 or TTY 751-4701, 9AM 3:30PM, Monday Friday.
Dont Register For Medicare Alone
If youre uncomfortable with applying for Medicare alone, we can help! Our services are completely free for you. If you would like an agent by your side when applying, contact us. We can walk you through setting up all your coverage, including Medicare, Medigap, Part D, and more.
Plus, when you use us to apply, you get unlimited support from our Client Service Team. That means if you have any issues with claims or appeals, we can help at no additional cost. You can compare rates online or give us a call today at the number above.
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How Do Social Security And Medicare Work Together
Social Security and Medicare are distinct programs serving older and disabled Americans, but they have an important commonality: Social Security handles enrollment for Medicare Part A and Part B .
In this role, the Social Security Administration works with the Centers for Medicare & Medicaid Services to inform older Americans about their Medicare sign-up options, process their applications and collect premiums.
How To Receive Federal Benefits
To begin receiving your federal benefits, like Social Security or veterans benefits, you must sign up for electronic payments with direct deposit.
If You Have a Bank or Credit Union Account:
- Call the Go Direct Helpline at .
If You Don’t have a Bank or Credit Union Account:
- Direct Express debit card – a pre-paid debit card. Get help by calling the Go Direct Helpline at .
Make Changes to an Existing Direct Deposit Account:
Learn how to make changes to an existing direct deposit account. You also may contact the federal agency that pays your benefit for help with your enrollment.
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Coordinating Your Benefits Can Be A Smart Move
Social Security and Medicare together make up the backbone of financial support for retirees in America. Social Security provides basic financial support, and Medicare takes care of the majority of healthcare costs for its participants. Given that most retirees are eligible for both Social Security and Medicare, one obvious question is whether you can sign up for both programs at the same time. The answer depends on your particular retirement wishes, but if your financial plans work out in a way that allows you to coordinate the two programs, then you’ll often be able to use a single application to participate in both Medicare and Social Security.
Your Personal Mysocial Security Account Is For Your Use Only
Social Security is dedicated to protecting the information and resources entrusted to us, including your personal information and investment. For your protection, youre the only one who can create your personal mySocial Security account for your own exclusive use. No one can create or use an account on your behalf, even with written permission. Dont share the use of your account with anyone else under any circumstances, as unauthorized use of this service is a misrepresentation of your identity to the federal government and could subject you to criminal or civil penalties, or both.
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When Is The Medicare Advantage Open Enrollment Period
The Medicare Advantage Open Enrollment Period is a limited annual enrollment period. It goes from January 1 March 31 every year. During this time, you can:
- Switch Medicare Advantage plans, if you already have a Medicare Advantage plan
- Disenroll from your Medicare Advantage plan and return to Original Medicare.
You cannot use this period to make most other coverage changes. However, if you decide to drop your Medicare Advantage plan, you can also use this period to join a stand-alone Medicare prescription drug plan, since Original Medicare doesnt include prescription drug coverage.
Outside of the Annual Election Period and the Medicare Advantage Open Enrollment Period, you cannot generally make changes to your Medicare Advantage plan unless you qualify for a Special Election Period.
Social Security & Medicare
Social Security provides cash benefits to retirees and those unable to work due to disability. Medicare is a public healthcare program for people over 65, as well as those enrolled in Disability Insurance and those with end-stage renal disease. Combined, Social Security and Medicare account for more than a quarter of all government spending in the United States.
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If I’m 65 And Enrolled In Medicare Why Might I Wait To Sign Up For Social Security
One final thing: Even if youre not working at age 65, signing up for Medicare before Social Security could make sense. Imagine youve retired and need health coverage, but you have enough money in savings to tide yourself over for a few years so you can let your Social Security benefits grow. In that case, enrolling in Medicare which you should almost certainly do at age 65 prior to Social Security could be a smart move.
Since being on Social Security is not a prerequisite to enrolling in Medicare, many people choose to delay their Social Security retirement benefits for up to a few years after their Medicare coverage begins. If you sign up for Medicare first, youll need to pay your monthly Part B premiums yourself, whereas Social Security recipients have those premiums deducted directly from their benefits.
But if you sign up for Medicare Easy Pay, youll have the cost of those premiums deducted directly from a savings or checking account so that you dont have to think about them or worry about being late. Once youre collecting Social Security, youll have the option of paying Medicare Advantage or Part D plan premiums directly to your insurer or having them deducted from your Social Security.
How To Enroll In The Various Medicare Plans
There are three types of Medicare plans that all have different ways of signing up. Each of these plans also has different enrollment periods. Delaying your Medicare Enrollment could result in various penalties and fees. Its helpful to set reminders for these important dates, especially when signing up for Medicare for the first time.
|Original Medicare||Automatic or three months before the month you turn 65 and extends three months after.||10 percent of the monthly premium|
|Medicare Advantage Plans||None|
|Six months after the month youre 65 and enrolled in Medicare Part B.||None|
|It depends on how long you went without Part D|
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