Call John C Parker today at (860) 451-9793. [Google Voice #] to eliminate the confusion.
This page, highlights the — correct steps for when & how to — take action:
Some background on MediCare:
When you sign up it is important to understand — original MediCare does not pay 100% of the expense of outpatient treatments.
The question then is —What to do about the part MediCare does not pay? Answer —Buy either of these private company plans, which work with MediCare:
● a Medicare Advantage Plan. — Details on how they work and what you gain are on this page
● a Medicare Supplement approved for CT. — Details on how they work and what you gain are on this page
Quick answer — nothing unless you want to sign up!
● Social Security (SS) not MediCare is responsible for the eligibility & enrollment regulations — I like to call them rules and they say:
-> a person becomes what MediCare calls — "eligible" to sign up for coverage the month when 65. .
Key — you do not have to sign up at 65!
Note: Individuals under 65 and receiving Social Security disability also are eligible after 24 months.
Key — most importantly SS - processes a person's applications so I recommend calling the Local SS office:
-> ask to speak with or for a time to call a retirement person.
Note: When your application is complete MediCare considers you "entitled" — their name for the date your coverage began:
-> Part A for inpatient hospital services.
-> Part B for medically necessary outpatient services.
BTW — entitled is - printed on each ID card above Part A and Part B to show when each part of a person's coverage started!
The IEP is a seven month period with the person's eligible month in the middle.
Want to sign up at 65? SS's complex [not logical ] rules tell us you can submit your application for Part A & Part B during:
● Any of the three months before eligible. If you do you will be considered entitled (covered) for both A & B the first day of your eligible month.
Note: Eligible month is moved to the previous one when a birthday is on the 1st.
● The eligible month or in any of the three months after. If you sign up during this time it results in:
-> Part A always being the first of their eligible month.
-> Part B having different dates! Why? Rules say B's effective date is determined by the date you apply. If sign up the:
+ Month when 65 it will be the next month.
+ Month after 65 it will be two months after.
+ Second or third month after 65 it will be three months after.
Note: SS also decided — Part A will be backdated six months from the date of a Person's Part B for — everyone who signs up more than six months after eligible!
Call John C Parker at (860) 451-9793. [Google Voice #] if any questions about the IEP.
The most common SEP is when working past 65 and decides to sign up for Medicare's Part B.
The SEP rules say:
● A person can sign up anytime, IF covered by an employer plan.
● Part B can begin, whichever is first, the month after:
-> employment or
-> employer coverage ends
If apply while still on the employer plan:
● Part B can start the First of any of the following three months.
If apply after leaving the employer plan Plan B can start the first of:
● That month if apply in the month after leaving – thus no days without coverage.
● Next month if apply in any of remaining eight months of their SEP:
What are the — steps to sign up:
● Call the Local Social Security office to talk to or for a time to call a Retirement person about:
-> Completing the Part B application.
-> Options to pay your share of the monthly cost of Part B
-> Getting Form CMS-L564. Your employer fills in dates covered by the medical benefit plan and signs.
● Returning the CMS-L564 means the person:
-> qualifies for the Part B SEP.
-> will not have to pay a late enrollment penalty.
Note: If proof of prior coverage is not available - an additional 10% is added to Part B's cost for each 12 months after eligible.
● You can also get the sign up forms on this link – CMS-40B the Part B sign up form and – CMS L564 form to show you have coverage.
Alert - When sign up for Part B after working past 65 Part A will be activated back six months from the date the person becomes entitled to B! This means HSA contributions must stop six months before Part B's date.
Call John C Parker at (860) 451-9793. [Google Voice #] if any questions about this SEP.
The GEP is available for a person who did not apply, for some reason, during the IEP when 65 nor had a life situation to qualify for a SEP
The GEP has special rules on when a person can apply and when they will be entitled to Part B:
● An application can only be submitted to SS between Jan 1st and March 31st.
● If apply during these dates they will not be entitled to Part B until July 1st!
OK! If a GEP has to be used what can a person do about medical treatment coverage?
● If Part A was:
-> just activated they have coverage for any hospital situations and can sign up for a Medicare Prescription Drug Plan and have coverage for medications.
-> previously effective they have coverage for any hospital situations but will have to wait until July 1st for Part D's medication coverage to start.
The disadvantage with a GEP — having to wait until July 1st for outpatient treatment. They, would have to pay what MediCare considers the assigned amount if any is needed.
Call John C Parker at (860) 451-9793. [Google Voice #] if any questions about the GEP
You can also send a note — Learn@JohnCParker.agency