SIGN UP FOR MEDICARE
Where do you start? What do I need to do first?
Review the below situations to find out where you are at regarding signing up for Medicare. Then contact me and I will help you get signed up.
If you are going to keep working after you turn 65 and are eligible to stay on your group insurance, and it is not a Health Savings Plan (HAS) plan, you may sign up for Part A benefits only. You can sign up 3 months prior to your birthday month and they are effective the first day of your birthday month. This coverage is premium-free for most Americans. Premiums may apply for those who have not contributed to Social Security by working less than 40 quarters (approximately 10 years) in their lifetime.
If you are going to keep working after you turn 65, but you are not eligible to stay on your group insurance, you can sign up for Parts A & B benefits which you can do 3 months prior to your birthday month and benefits start on the first day of your birthday month. After you have received your Medicare card, you will be ready to review and chose a Medicare Advantage, Prescription Drug and/or Medicare Supplement plan to cover the services Original Medicare does not. Original Medicare only covers 80% of agreed services and there is no cap on what the customer must pay out of pocket.
If you are already getting benefits from Social Security or The Railroad Retirement Board (RRB) and are turning 65, you will automatically receive Parts A & B benefits unless you instruct Social Security otherwise. It will be effective on the first day of the month you turn 65.
If you are already receiving Social Security disability benefits, you will automatically receive Parts A & B benefits on first day of the 25 th month after your disability benefits started. If you live in Puerto Rico, you must sign up for Part B.
If you have ALS (also called Lou Gehrig’s disease) or ESRD (End Stage Renal Disease), you will automatically receive Parts A & B benefits the first day of the month your Social Security disability benefits begin.