Frequently Asked Medicare Questions
How Do I Sign Up for Medicare Part A, B, C, D?
You are eligible when you turn 65 years old, or if you are under 65 and qualify on the basis of disability or other special situation.
The Social Security Administration handles most of the paperwork for joining Medicare. If you are drawing Social Security when you turn age 65, you will be automatically enrolled in Medicare Part A and Part B. If you are not on Social Security when you turn age 65, then you need to go to the Social Security Web site and sign up. It is important to do that at least 2 – 3 months before you turn 65 so that the paper work can be completed by your birthdate.
This is where you can enroll for Part A and Part B. Or you can go to your local Social Security office and sign up there.
If you are turning 65 or retiring and will be losing your group insurance and will are 6 months from Medicare Eligibility I can assist you and clear any confusion about what to expect. If you are currently on Medicare,
Our services include
- Year-round Guidance and Client Support – benefit reviews, claim questions, billing set up, and much more.
- Prescription drug and Health Needs Analysis to confirm you have the best plan.
- Optional Supplemental protection reviews such as Dental, hospital, Short-Term Recovery Care
- Annual Review of insurance needs through various methods face to face meetings, group meetings, and online meetings are available.
We are in this together and there is no cost to you for working with me.
Part A insurance helps pay for inpatient hospital stays or skilled nursing care. Part A has an $1,316 benefit period deductible. The federal government covers the cost for Part A, if you have contributed into Social Security for 40 quarters (10 years). If you have not contributed to Social Security, there is a cost for Part A.
Part B helps pay for doctor’s and outpatient care. Part B has an $140 annual deductible. There is a cost to you for Part B, and it is figured by your income. The standard Part B premium amount is $134 (or higher depending on your income). However, most people who get Social Security benefits will pay less than this amount ($109 on average).
Part C is supplemental insurance that you purchase to help defray the medical costs involved with Part A and Part B. Medicare Part C is another name for Medicare Advantage.
Part D helps pay for prescription drug coverage. Part D (or PDP plan) coverage is not automatic. If you delay in signing up for Part D after becoming eligible for Medicare, the government may attach at penalty on your premium, when you do decide to take out a Part D (PDP) plan.
How do I sign up and Enroll in Medicare Part A, B, D?
Any time after you are 64 years and 9 months old or otherwise become eligible for Medicare, enrollment is automatic if you are already drawing Social Security.
There are no penalties for signing up late, unless you are one of the people who pay a monthly premium for Part A because neither you nor your spouse contributed enough to Social Security. Then you may pay a penalty on your premium for signing up late.
Anytime from three months before you become eligible for Medicare until three months after your eligibility month.
If you enroll after the initial enrollment period, premiums will be higher unless you qualify for an exception.
Your initial enrollment period is up to three months before and up to three months after your eligibility month.
If you miss your enrollment window, you must wait until Medicare open enrollment (October 15th through December 7th). Enroll late and premiums could be higher.