Because you are not currently receiving social security you will need to sign-up/apply for Medicare in order for it to start. You will need to be in your Medicare Initial Enrollment Period in order to sign up for Medicare. This Period also known as IEP, is a 7 month window revolving around your 65th birthday month. It begins 3 months prior to your 65th birthday month, and it ends 3 months after that month. When that time frame is here, signing up for Medicare can be done in several ways through Social Security. Feedback from our clients has shown applying online through the Social Security website can make the process quicker and simpler. To access the online Medicare Only application you can go to: https://secure.ssa.gov/
Adding additional coverage to Original Medicare (Parts A and B) helps to provide Prescription Drug Coverage and lessen or eliminate your out-of-pocket responsibility with Medicare. Traditionally you have 2 options for types of coverage you can choose from: Medicare Advantage Health Plans or Medicare Supplement Plans also referred to as Medigap Plans with a Part D Prescription Drug Plan.
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Medicare is NOT FREE. Medicare does have a cost for Part A and Part B. Traditionally consumers receive Part A for $0 as long as they have worked 10 years, 40 quarters, paying into their Medicare Taxes. Part B is the part of Medicare everyone pays for. The amount someone pays for Part B depends upon income on their tax returns from 2 years prior.
Medicare, Original Medicare Parts A and B, helps consumers cover some of their costs revolving around Hospital and Medical. Part A, commonly referred to as Hospital Coverage, generally helps consumers with costs pertaining to In-patient Hospitalization, Skilled Nursing Facility Care, Home Health Care, and Hospice. Part B, commonly referred to as Medical Coverage, generally helps consumers with their Medical Costs. Things such as doctor office visits, lab work, imaging, therapy, urgent care, and durable medical equipment are all items covered with Part B. Medicare DOES NOT COVER Part D, Prescription Drug Plans. Medicare also does not provide coverage for Long Term Care / Custodial Care.
Resources for You
– Medicare and you guide: https://www.medicare.gov/Pubs/pdf/10050-Medicare-and-You.pdf
– Choosing a Medigap policy (2020): https://www.medicare.gov/Pubs/pdf/02110-medicare-medigap-guide.pdf
– Online Application Link for Medicare (Medicare Only): https://secure.ssa.gov/iClaim/rib
– Understanding the Medicare Premium Bill: https://www.medicare.gov/sites/default/files/2018-07/11659-understanding-cms-500.pdf