How and When to Enroll in Medicare,
In Florida and Boynton Beach
Are you close to 65?
Getting ready to retire?
Switch to Medicare instead of your group insurance?
Under 65 and on disability for about 2 years?
If you are reading this, you are thinking of retiring or making Medicare your primary insurance but you don’t know how and when to enroll in Medicare.
Are you wondering how and when to enroll in Medicare? Review Medicare’s rules so you don’t get a permanent penalty or go without coverage.
You can enroll by calling the Social Security Administration at 800-772-1213 or online at http://www.socialsecurity.gov/medicareonly.
Your Initial Medicare Enrollment Period when you turn 65
Some people are enrolled in Medicare automatically. You will be enrolled in Medicare if you are collecting Social Security.
If you aren’t, you will have a 7 month enrollment period to enroll in Medicare. That includes 3 months before you turn 65, the month you turn 65, and 3 months after your birthday month.
Your Medicare Effective Date when you turn 65
- Your effective date will be the first of the month you turn 65, if you enroll during the 3 months before your birthday.
- If your birthday is the first of the month, your effective date will be the month before your birthday.
- If you enroll during the 3 months after your birthday your birthday will be the 1st of the following month.
Your Medicare Enrollment Period after 65
If you work past 65 and enroll while you are working you will need to know how and when to enroll in Medicare:
Should you enroll in Part B while you are still working?
That depends on how many people work for your employer. If your employer has 20 or more employees, you should sign up for Medicare Part A. If you enroll in Medicare Part A it will be secondary to your group insurance. That means Medicare A will pay some of your health insurance costs.
If you want your employer’s group health plan to be your primary insurer, you don’t need to sign up for Part B. Some people sign up for Medicare A and B while they are working because it’s cheaper than their group insurance.
When you retire, you will have a special enrollment period of eight months to sign up for Part B, without penalty.
After you enroll in Medicare
- Review what Medicare A and B cover.
- Review the Medicare Advantage plans in your area.
- Decide if you want to stay in Original Medicare or enroll in a Medicare Advantage plan.
- Do you know what Original Medicare covers?
- Review the costs of Medicare Advantage plans.
- Learn how and when to sign up for Medicare Advantage plans.
- Medicare Advantage plans include additional benefits such as drug coverage, dental, vision, hearing and gym memberships.
- Compare what Medicare will cost, vs your group health insurance?
- Know the questions to ask if you are going to sign up for a Medicare Supplement plan.
- Learn the rules and penalty’s for Medicare drug coverage enrollment.