How to sign up for MediCare!

image6

Individuals are not automatically signed up!

 Want to apply at 65!  

    [Rules - "eligible" to sign up the first of the month when 65] 

First - Call your Local Social Security (SS) office * to meet with a retirement person.  

   * Why? - Surveys report incorrect information was sometimes received calling the SS 800 #  


Second - visit SS: 

    -> complete the Part A & B application, 

   ->  select how to pay your 25% share [$144.60 *] of Part B's monthly base cost. 

       * Higher if IRS 1040 AGI [two years ago] is above 87 k for Single & 174 k for Joint. 

           [There are five higher levels.]

    ->  review useful charts SS creates to help decide when to start receiving benefits. 


When signed up - [Rules - "entitled" [not enrolled]  ] you are covered by:

        ->  Part A for inpatient care in a hospital. 

       ->  Part B for medically necessary outpatient services. 

            Note: This picture of a MediCare IV card shows entitled above Part A & B. Page has info. on the new style card.


Federal regulations limit times to apply for Part B to these sign up periods. You can not sign up for MediCare whenever you want! 

image7

Was the information you found online about Medicare Health Plans and the brochures you got in the mail confusing?

Many say yes - but you can simplify all this - just call John C Parker's Google Voice (860) 451-9793 . 


We can meet to discuss your situation / interest / budget and: 

    how MediCare works, 

    the Medicare Health Plans available in SE CT, 

image8

You worked past 65 and now want to sign up. What to do!

 First: Set up a meeting with the Local SS office retirement person to:

Apply for Part B & activate Part A.

      Note:  Part A is backdated six months from Part B's date.


Review options to pay Part B's monthly cost [S144.60 ] :

     ->  it's deducted from SS if receiving benefits.


 Pick up Form CMS-L564. Take to employer to fill in dates you had medical coverage and sign. Returning this form:

     ->  approves a Special Enrollment Period to sign up for Part B on the date you want. 

     ->  means you avoid B's late enrollment penalty. 

image9

OK! Now entitled to Part A & Part B - What do you pay for treatment?

20% for all outpatient treatment!

This could quickly be a Big Hit to income & savings in a complex situation since so much medical treatment / services is outpatient!


What to do? Buying the special insurance highlighted in the red text pages means most costs will be paid: 

        Medicare Advantage Plan in New London CT or a  

        Medicare Supplement in CT 

Each has options to meet your situation / interest / budget.


You can not sign up when you want so beware of ads saying Call Today - get better coverage!  

       Here are the correct federal enrollment periods .

     

image10

Is a Medicare Health Plan really needed?

Some think -  a change in health won't happen!  - But:  

   ● No one can say an accident won't happen

   ● The possibility is significant your health will change!  


Thus, to be in control of medical expenses you need this special insurance!  You also gain peace of mind knowing your income & savings will be protected  


Call/text John C Parker's Google Voice today  (860) 451-9793). If enrollment is available the time you need will be taken to review the best coverage for your situation / interest / budget: [I am told this is a big Help]

        >  a Medicare Advantage Plan approved for New London County or a

        >  CT Medicare Supplement


Meeting will not just review plan details but: 

        > Create better understanding = a more informed decision. 


BTW it's  OK after talking to say - now is not the right time! 

  

You can also send questions on signing up or on Medicare Health Plan coverage :

    ● Using the form below or

    ● To  - Learn@JohnCParker.agency


image11

John C Parker, a Niantic CT based professional health insurance advisor, is licensed in CT ( #644135 ) to conduct business and does not solicit or sell in other states.

Have Questions?

You can also send a note with questions about signing up for MediCare or on Medicare Health plan coverage!

Medicare Health Plan Advisor in Niantic

38 Hope St, Unit 1312, Niantic, CT 06357-2454, US

(860) 739-0005

Join Our Mailing List