How to sign up for MediCare!
Individuals are not automatically signed up!
Want to apply at 65!
Rules - Coverage can begin the month [called "eligible"] when 65 and on the 1st.
● 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. Five higher levels.]
-> review useful charts SS can create to help decide when to start receiving benefits.
When signed up - [Rules say - "entitled" [not enrolled] ] you are covered by:
-> Part A for inpatient care in a hospital.
-> Part B for medically necessary outpatient services.
Note: Entitled is above Part A & B on this picture of a MediCare ID card. Page has info. on the new style card.
● Federal regulations limit times to apply for Part B to these sign up periods. Thus, can not sign up whenever you want!
Was the online info about Medicare Health Plans and brochures you got in the mail confusing?
Many say yes! Want to 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 two kinds of Medicare Health Plans available in SE CT,
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, which 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. Have employer 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.
![Medicare Advantage or a Supplement are an umbrella over the costs [risk] MediCare does not pay!](http://img1.wsimg.com/isteam/ip/d319e80c-1668-43e6-a4e7-a0c72d12b415/iStock-512122830.jpg/:/cr=t:2.83%25,l:0%25,w:100%25,h:94.34%25/rs=w:600,h:300,cg:true)
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 since so much medical treatment / services are outpatient!
What to do? Buy this special insurance! It works as an umbrella covering you from most of these costs! Details on the two types are on the red text pages.
● Medicare Advantage Plan in New London CT or a
● Medicare Supplement in CT
Each has options to meet your situation / interest / budget.
Beware of ads saying Call Today - get better coverage!
● You can not sign up for a Medicare Advantage plan when you want! Here are the correct federal enrollment periods .
Do you really need a Medicare Health Plan?
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!
Bottom line - to be in control of medical expenses you need this special insurance! Owning means you have 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 whatever 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
