Medicare is Federal health insurance for:
• People 65 and older
• People under 65 with certain disabilities
• People with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring
dialysis or a kidney transplant)
You can sign up for Medicare Part A and/or Part B during your Initial Enrollment Period. This is a 7-month period that starts 3 months before the month of your 65th birthday and ends 3 months after the month you turn 65. If your birthday is the 1st of the month, your Initial Enrollment Period starts 4 months before the month you turn 65 and ends 2 months after the month you turn 65.
Who Should Sign Up for Medicare
If you are turning 65 and are not yet collecting Social Security or Railroad Retirement Board benefits, you should contact Social Security to apply for your Medicare Part A and/or Medicare Part B benefits. Most people pay a premium for Part B.
You can apply online at SSA.gov/Medicare/sign-up, or you can contact Social Security, three (3) months prior to your 65th birthday to schedule an appointment.
If you have (ESRD) End-Stage Renal Disease, and want Medicare, you will have to sign up for it. You will have to file an application and meet any applicable waiting period.
Who Are Automatically Enrolled in Medicare
Some individuals are automatically enrolled in Medicare Part A and Medicare Part B, while others must apply for it.
When you are approved for social security or railroad benefits you will automatically get Part A benefits when you become eligible for Medicare. If you receive benefits from Social Security or the Railroad Retirement Board for at least 4 months before turning 65, you will automatically get Medicare Part A and you will be signed up for Part B. If you do not want Part B, contact Social Security before the coverage start date.
Individuals who have ALS (amyotrophic lateral sclerosis, Lou Gehrig’s disease), will get Medicare Part A and Part B automatically the month their Social Security disability benefit begins.
If you are under 65 and have a disability, you will get Medicare Part A and Medicare Part B automatically after getting Social Security or certain Railroad Retirement Board disability benefits for 24 months.
What Should I Do If I Am Turning 65 And Still Working
Most individuals do not have to pay a premium for Medicare Part A (Hospital Insurance) so they may consider signing up for Medicare Part A when they turn 65, even if they or their spouse is still working.
There is a monthly premium for Medicare Part B (Medical Insurance). If you or your spouse is still working, you may want to wait to sign up for Medicare Part B. You will need to sign up for Medicare Part B within 8 months after you or your spouse stop working. Know your options to avoid a gap in coverage and avoid incurring late enrollment penalties.
Things To Know About Medicare When Turning 65
Upon receiving your red, white and blue Medicare card, you can now choose how to receive your Medicare benefits.
There are 2 main ways to get your Medicare benefits.
Option 1 – Original Medicare (Medicare Part A and Medicare Part B)
Original Medicare does not include prescription drug coverage.
You can add Prescription Drug Coverage by joining a Prescription Drug
Plan (PDP). You may choose to add more coverage by buying a Medicare
Supplement Plan (Medigap Policy).
Option 2 – Medicare Advantage Plans. (MA)
All Medicare Advantage Plans must include all the benefits that are
covered by Original Medicare. Many Medicare Advantage plans (MAPD)
includes Prescription Drug coverage.
Contact an experienced and licensed insurance agent to discuss Medicare Advantage Plan options, Medicare supplement, and Part D Drug Plans,
Nadene Wilson Barr, 772-800-2917
Medicare Advantage Plans, Port St Lucie
NewBran Insurance Solutions
Port St Lucie FL, 34953
Tradition, Port St Lucie
St Lucie West, Port St Lucie, FL
