Many people are of the opinion that signing up for Medicare when they are 65 is simple and straightforward. The truth is, depending on the situation, this is not the case. For example, if you continue working after age 65 or if you have a health plan with your spouse, this may complicate the situation. Here are some things you should keep in mind as you approach 65 and when you sign up for the Medicare enrollment process.
- If you have received social security pensions, you will automatically receive a Medicare card by mail 3 months before your 65th birthday. You will be enrolled in Medicare Part A and Medicare Part B. If you do not want Part B, follow the instructions below and return the card to your local social security office for other actions.
- When you are 65 and still working, you will not be automatically enrolled in Medicare. If you want to enroll in Medicare, contact the Social Security Administration to begin the enrollment process.
- You have a 7-month enrollment period for Medicare that begins 3 months before your birthday and 3 months after your birthday.
- If you are still working and your company has more than 20 people on your payroll, you may not need Medicare B right away. Contact your human resources representative for more information.
- You must enroll in Medicare Part B if you have stopped working and have a retirement policy from your employer.
- Medicare A and B do not cover all services. In general, you need a Medicare Advantage policy or a Medicare supplement policy to cover some of your out-of-pocket costs. Supplementary policies and advantage policies are private insurance policies.
- Medicare Advantage policies are also known as Medicare Part C. You can choose and sign up for a Medicare Advantage policy if you qualify for Medicare. You can sign up for the period of 7 months from 3 months before your month of birth and 3 months after your month of birth.
- You can also sign up for a Medicare supplement policy when you join Medicare. You have a 6-month period to enroll in an additional policy, beginning in the month you turned 65 or if you are eligible for Medicare Part B.
- You do not need a Medicare Advantage policy and a Medicare supplement policy at the same time. You have to choose one over the other.
- Medicare Part D is the prescription drug policy. You will not be automatically enrolled in a Medicare Part D policy. You must register with a Medicare Advantage policy or with a separate policy that only Medicare Part D offers.
From the above, it can be seen that there is a lot to consider as the age of eligibility for Medicare approaches. For more information, contact the County Aging Department.