Buy Medicare: Need to Know Basis When You Qualify
Many seniors think that enrolling in Medicare at age 65 is simple and easy. Depending on the instance, this is generally not the case. For example, if you keep on working after age 65, or if you have health coverage with your spouse, this may complicate things.
Here are certain factors to consider when you reach 65 and ask for the process to enroll in Medicare.
- If you have a social security pension, then you will receive a Medicare card by email automatically 3 months before you reach age 65. You will be registered in Medicare Part A & Part B. Now, if you do not need Part B, follow the instructions and send the card to the local social security office for other actions.
- When you attain the age 65 and you keep working, you will not automatically sign up for Medicare. If you want to enroll with Medicare, contact the Social Security Administration to begin the registration process.
- You have a Medicare registration period of 7-month that begins 3 months before your birthday and 3 months after your birthday.
- If you are still working and your company has over 20 employees, you may not need Medicare part B instantly. Contact the human resources representative for more insight.
- You must enroll in Medicare Part B if you are no longer working and your employer has registered you in a retirement policy.
- Medicare A and B does not cover all services. Generally speaking, a Medicare supplement or Medicare Advantage is needed to cover some of the uninsured Medicare fees. Supplementary and advantageous plans are private insurance policies.
- Medicare Advantage policies can also be called Medicare Part C. You can now choose and subscribe to a Medicare Advantage policy if you are eligible for Medicare. It is possible to enroll during the 7-month period, from 3 months before the birth month and 3 months after the birth month.
- You can also get an extra Medicare policy when you enroll in Medicare plan. You have a period of 6 months to enroll for an additional plan, starting in the month you become 65 or if you qualify for Medicare Part B.
- The Medicare Advantage and Medicare Supplement Plan are not necessary at the same time. One has to be choose over the other.
- Medicare Part D is the prescription drug plan. You will not automatically enroll in a Medicare Part D policy. You must join a Medicare Advantage policy or an individual policy that provides just Medicare Part D.
From the following, it is obvious that there is plenty to think about as the age of qualification for Medicare approaches. Speak with the County’s Department of Aging for more insight.