People report the online information on when & how to sign up for MediCare is confusing!
I am pleased to help with - what to do & proper steps when you want to sign up for the federal MediCare program:
● Rules say - "eligible" first of the month you turn 65. - Do not have to sign up!
Note: Person under 65, qualified for Social Security disability, also eligible after receiving benefits for 24 months.
Social Security (SS) not MediCare is responsible for the eligibility and sign up rules. I recommend going to your Local SS office.
Note: When your application is complete - Rules say "entitled"and you are covered by:
-> Part A for inpatient hospital services.
-> Part B for medically necessary outpatient services.
Your ID card will show entitled above Part A and B.
It's a seven month period around the month eligible.
A person can sign up during:
● The three months before eligible. Part A & B coverage will be effective the first of eligible month.
Note: If birthday is the 1st day of a month then eligible the previous month.
● The month eligible and in any remaining month of the IEP. Then:
-> Part A is always effective the first of eligible month.
-> Part B's date however uses the date applied and is the first of the:
+ Next month if sign up month when 65.
+ Second month after if sign up the month after 65.
+ Third month after if sign up in second or third month after 65.
Note: If sign up in third month after 65 Part B is six months after Part A.
A special time to sign up for Medicare's Part B when leaving employer coverage after age 65:
First the rules:
● A person covered by an employer medical plan and over 65 can apply anytime.
● Leaving creates an eight-month SEP to start Part B beginning, whichever is first, the month after:
-> employment ends or
-> employer coverage ends
● If apply while still covered you can have Part B start the:
-> First of [your choice] any of the following three months
● If apply the first month after you can have Part B start the:
-> First of the month they sign up – thus no days without coverage.
● If apply in any remaining month of their SEP:
-> Part B will start the first of the next month.
Second - how to make sign up happen: - Call the Local Social Security office Retirement person to meet about starting Part B. When there:
● Review options to pay for your share of the monthly cost of Part B
● Ask for Form CMS-L564 to take to your employer to fill in dates covered by the medical benefit plan and get it signed.
● When signed and taken back to the SS office the form:
-> qualifies a person for the SEP to sign up for B.
-> eliminates the late enrollment penalty.
Note: If proof of prior coverage was not available - an additional 10% is added to Part B's cost for each 12 months of not signing up.
FYI - SS sets Part A retroactive six months from the date assigned for Part B.
Alert - if enrolled in an employer's HSA your contributions must stop six months before the date assigned to Part B.
A special time to sign up for Part B when a person did not apply in their IEP nor qualify for a SEP.
The rules to sign up and get Part B in a GEP are special:
● The application can only be submitted between Jan 1st and March 31st.
● Part B will not be effective until July 1st!
When a GEP is used what medical treatment coverage does a person have ? They can:
● Activate Part A [done anytime ] and have hospital coverage.
● Sign up for a Medicare Prescription Drug Plan. The date for medication coverage may also have to wait to July 1st, depending on when Part A was activated.
What about MD or outpatient treatment? The person would have to pay for any until July 1st.
Feel free to send a note - Learn@JohnCParker.agency
Content on Medicare-Health-Plans-Southeastern-CT is © 2018 to 2020 by John C Parker, RHU, LTCP - All Rights Reserved.
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