Medicare enrollment could be automatic for some people, while for others, it generally depends on when they turn 65 or how they become eligible for Medicare.
If you are eligible, you can enroll for Medicare in several ways.
● Online at www.Socialsecurity.gov
● Call Social Security at 1-800-772-1213.
● Medigap Supplement Headquarters will consult you to determine your eligibility and guide you through the enrollment process.
Click here to review what is required to qualify for Medicare.
SOCIAL SECURITY OR RAILROAD RETIREMENT BOARD
You can register for Medicare in person by:
● Visit your local Social Security office
● Contact the Railroad Retirement Board to speak to a representative who will help you register for Medicare.
There are some situations where you may be enrolled for Medicare automatically.
For example, if you receive Railroad Retirement Board benefits or Social Security benefits, you will automatically enroll for Medicare when you turn 65.
If you already receive disability benefits when under 65, either from the Railroad Retirement Board or Social Security, you will automatically be enrolled in Original Medicare once you have received disability benefits for more than 24 months. People who have ALS will automatically be enrolled for Original Medicare the same month they receive disability benefits.
Medicare enrollment is not automatic for some people. If you fall in this category, you will need to manually enroll as soon as you become eligible to avoid paying the late enrollment penalty.
You can enroll for Medicare during the Initial Enrollment Period. The Initial Enrollment Period starts three months before you turn 65 and lasts until three months after you turn 65.
You can enroll for Medicare during the Initial Enrollment Period if:
● You are not receiving retirement benefits
● Are close to turning 65
● You have turned 65
You will not be enrolled in Medicare automatically if you do not qualify for retirement benefits from the Railroad Retirement Board or Social Security.
You will also need to enroll for Part A and Part B during the Initial Enrollment Period. You can also enroll for Medicare during the General Enrollment Period if you failed to register when you were first eligible. However, you will pay a late enrollment penalty for Original Medicare.
SPECIAL ENROLLMENT PERIOD
Under some special circumstances, you may be eligible to enroll for Medicare during the Special Enrollment Period.
You can delay Medicare enrollment without facing the late enrollment penalty if:
● You are still working and you have employer health insurance
● You are covered under your spouse’s health insurance.
Understanding the requirements to be eligible for Medicare and how to enroll can be a complicated process. However, at Medigap Supplement Headquarters, we can help simplify the process. Contact us today to get your questions answered.
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