How To Apply For Medicare Part A And Part B Before Age 65
Some people are automatically enrolled in Original Medicare. If youve been receiving disability benefits from Social Security or the Railroad Retirement Board for 24 months in a row, you will be automatically enrolled in Original Medicare, Part A and Part B, when you reach the 25th month.
If you have ALS or Lou Gehrigs disease, youre automatically enrolled in Medicare the month you begin receiving your Social Security disability benefits.
Some people will need to sign up for Medicare themselves. If you have end-stage renal disease , and you would like to enroll in Medicare Part A and Part B, you will need to sign up by visiting your local Social Security Office or calling Social Security at 1-800-772-1213 . If you worked for a railroad, please contact the RRB to enroll by calling 1-877-772-5772 , Monday through Friday, 9 AM to 3:30 PM, to speak to an RRB representative.
What Are Cases When Medicare Automatically Starts
Medicare will automatically start when you turn 65 if youve received Social Security Benefits or Railroad Retirement Benefits for at least 4 months prior to your 65th birthday.
Youll automatically be enrolled in both Medicare Part A and Part B at 65 if you get benefit checks. According to the Social Security Administration, more than 30% of seniors claim Social Security benefits early.1 For those seniors, Medicare Part A and Part B will automatically start when they reach the age of 65.
When do You Get Your Medicare Card?
You can expect to receive your Medicare card in the mail three months before your birthday. Your Medicare card will come with a complete enrollment package that includes basic information about your coverage. Your card wont be usable until you turn 65, even though youll receive the card before that time.
What Are Your Costs?
Keep in mind that youll still have to pay the usual costs of Medicare, even though youre automatically enrolled. Once your Medicare is active, the cost of your Part B premium will be deducted from your Social Security or RRB benefits.
What If You Already Enrolled in Medicare?
What about Medicare Supplement ?
What If I Switch to Medicare Advantage?
What I Have Part A?
Can My Spouse Get Medicare At Age 62
When you get Medicare at age 65, that doesnât include Medicare for your spouse. In this way, Medicare is not like employer group coverage. Your Medicare insurance doesnât cover your spouse â no matter whether your spouse is 62, 65, or any age.
But in some cases, a younger spouse can help you get Medicare Part A with no monthly premium.
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Signing Up For Premium
You can sign up for Part A any time after you turn 65. Your Part A coverage starts 6 months back from when you sign up or when you apply for benefits from Social Security . Coverage cant start earlier than the month you turned 65.
After your Initial Enrollment Period ends, you can only sign up for Part B and Premium-Part A during one of the other enrollment periods.
Medicare Eligibility If You’re Turning 65 And When To Apply
Medicare covers eligible individuals 65 and older and people younger than 65 who qualify due to a disability or end stage renal disease. Once you , be aware that there are specific rules regarding when you can sign up.
Your Initial Enrollment Period for Medicare begins 3 months before the month of your 65th birthday, includes your birthday month, and continues through the 3 months after the month of your 65th birthday. That gives you 7 months to shop and compare plans before you have to commit.
If you plan to continue working after you turn 65 and you have healthcare coverage through your employer, check with the person who manages your benefits to find out if that coverage works with Medicare.
If youre younger than 65 and have a disability, .
Medicare quick guide
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Medicare Misconceptions When Aging In
One big misconception is that every American automatically gets Medicare at age 65. Those who are collecting Social Security will automatically enroll in Part A and Part B. However, they will need to shop around for a Part D or Advantage plan to obtain prescription drug coverage.
If youre not yet collecting Social Security when your 65th birthday comes around, youll need to sign up for Medicare through the Social Security Administration. Its best to take advantage of your Initial Enrollment Period to do so.
While Medicare isnt mandatory, picking it up after lacking creditable coverage once youre eligible will cost you. Penalties also apply to prescription drug coverage. So, even if you dont currently take prescription medications, putting off your coverage can cost even more in the long run.
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We can help find the right Medicare plans for you today
The amount of cost-sharing that comes with Medicare coverage is a shock to many new beneficiaries. Premiums, deductibles, and coinsurance can add up over a short time on Original Medicare.
A Medicare enrollee may learn how Medigap policies can reduce cost-sharing after their Medicare Supplement Open Enrollment window closes. Consequently, their selection of plan options may be smaller.
Also, many people are surprised to find out Medicare wont cover chronic needs or custodial care. Meaning, if you eventually need to live in a nursing home permanently, payment will be entirely out-of-pocket.
How To Learn About Medicare Before Turning 65
MedicareFAQ serves as a learning resource for Medicare beneficiaries and their families. We strive to educate people about Medicare to make informed decisions that benefit the future of their health and finances.
Call the phone number above if youre ready to speak to someone about your Medicare coverage options. You can also use our online rate form to see premium prices for plans near you. We work with beneficiaries across the nation and are glad to help you find the best coverage available.
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You Automatically Get Medicare When You Turn 65
- Well mail you a welcome package with your Medicare card 3 months before your Medicare coverage starts.
Sign up for Part B if you live in Puerto Rico or outside the U.S.You get Part A automatically. If you want Part B, you need to sign up for it. If you dont sign up for Part B within 3 months of turning 65, you might have to wait to sign up and pay a monthly late enrollment penalty.
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When Does Medicare Not Automatically Start
Medicare will NOT automatically start when you turn 65 if youre not receiving Social Security Benefits or Railroad Retirement Benefits for at least 4 months prior to your 65th birthday. Youll need to apply for Medicare coverage.
Theres no such thing as a Medicare office enrollment in the program is handled by the Social Security Administration . If you have to enroll in Medicare Part A and/or B on your own, you can visit your local Social Security office.
You can also online by following the instructions at the Social Security Administration Medicare Benefits web page. In most cases, signing up online will take ten minutes.
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Already Enrolled In Medicare
If you have Medicare, you can get information and services online. Find out how to .
If you are enrolled in Medicare Part A and you want to sign up for Part B, please complete form CMS-40B, Application for Enrollment in Medicare Part B . If you are applying for Medicare Part B due to a loss of employment or group health coverage, you will also need to complete form CMS-L564, Request for Employment Information.
You can use one of the following options to submit your enrollment request under the Special Enrollment Period:
- State I want Part B coverage to begin in the remarks section of the CMS-40B form or online application.
- If possible, your employer should complete Section B.
- If your employer is unable to complete Section B, please complete that portion as best as you can on their behalf and submit one of the following forms of secondary evidence:
- Income tax form that shows health insurance premiums paid.
- W-2s reflecting pre-tax medical contributions.
- Pay stubs that reflect health insurance premium deductions.
- Health insurance cards with a policy effective date.
- Explanations of benefits paid by the GHP or LGHP.
- Statements or receipts that reflect payment of health insurance premiums.
Some people with limited resources and income may also be able to get .
Medicare Advantage Plan Eligibility For 2022
Heres what you need to know about eligibility for Parts C and D:
|Qualify for Medicare because youre turning 65||Sign up for Medicare Advantage or Part D during your 7-month initial enrollment period|
|Qualify for Medicare because of a disability but arent 65||Sign up for Medicare Advantage or Part D during the 7-month period that starts 3 months before your 25th month of disability payments, includes that 25th month, and ends 3 months after the 25th month of disability payments|
|Qualify for Medicare because of a disability and youre 65||Sign up for Medicare Advantage or Part D during the 7-month period that starts 3 months before the month you turn 65, includes your birthday month, and ends 3 months after your birthday month|
|Dont have Medicare Part A, and you enrolled in Part B during general enrollment||Sign up for Medicare Part D only, from April 1 to June 30|
|Have Medicare Part A, and you enrolled in Part B during general enrollment||Sign up for Medicare Advantage only, from April 1 to June 30|
You can also switch to Medicare Advantage or join a Part D drug plan during the Medicare annual open enrollment period, which runs from October 15 through December 7 each year. And if you already have an Advantage plan, you can use the Medicare Advantage Open Enrollment Period to make a one-time change to your coverage.
- A Part D drug plan
- A Medicare Advantage plan with drug coverage
- Another Medicare health plan that covers prescription drugs
- A plan from an employer or union
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Medicare Eligibility For People Under 62
There are a few exceptions for Medicare age limits that can allow people younger than 65 and under age 62 to enroll in Medicare.
- If you have ALS , you are immediately eligible for Medicare regardless of your age as soon as your Social Security or Railroad Retirement Board disability benefits begin.
- You may also qualify for Medicare if you have kidney failure that requires dialysis or a kidney transplant, which is known as end-stage renal disease .
- You may also qualify for Medicare at age 62 or any age before 65 if you receive disability benefits from either Social Security or the Railroad Retirement Board for at least 24 months.
If you qualify for Medicare under the age of 65 because of a disability, you might also qualify for a Medicare Advantage Special Needs Plan.
What If Your Medicare Card Didnt Arrive
If youre expecting to receive a Medicare card but havent yet received one three months before your 65th birthday, the first thing to do is to not worry. Medicare sends out hundreds of thousands of cards per year without issue. Its possible for the card to be delayed or for there to be an error. To confirm whether a Medicare card is heading your way, check with your local Social Security office to make sure that youre enrolled.
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Can My Spouse Get Medicare At Age 63
En español | You may be 65 years old and ready to enroll in Medicare, but unless your spouse has a disabling medical condition, your mate wont qualify until age 65.
Thats because Medicare doesnt operate like health insurance that you may have through your employer. Its not a family plan. Your spouse can qualify for premium-free Part A based on your work record if he or she hasnt paid 40 quarters of federal payroll taxes. But you both will start your Medicare coverage separately, usually based on age.
People eligible for Medicare can sign up during their seven-month initial enrollment period, which begins three months before the month they turn 65 and lasts for three months after their birthday month. The coverage begins no earlier than the month they turn 65. For those whose birthday is on the first of the month, coverage starts at the beginning of the previous month.
What Are The Typical Age Requirements For Medicare Coverage
The typical Medicare age requirement is 65, or younger if you qualify for disability benefits. In addition to meeting the age requirement of 65, you must also be a U.S. citizen or legal permanent resident before you are eligible for Medicare.
Most people who are 65 qualify for premium-free Medicare Part A because they have worked for at least ten years and have paid Medicare taxes. Medicare Part A helps cover hospitalization, skilled nursing facility, home health care, and hospice costs. If you are not eligible for premium-free Part A because you have not worked and paid Medicare taxes, but are a citizen with permanent residency and are 65, you can pay premiums to have Part A coverage. If your spouse has worked long enough to qualify for premium-free Part A, your Part A premiums will be free after your spouse turns 62.
When you meet the requirements for Part A, you also qualify for Medicare Part B which helps cover medical out patient costs such as doctors visits, urgent care, durable medical equipment , some preventive care, and more. If you have Part B, there is a monthly premium you pay, which is $148.50 for 2021, and an annual deductible of $203.
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Reaching Age 62 Can Affect Your Spouse’s Medicare Premiums
Although reaching age 62 does not qualify you for Medicare, it can carry some significance for your spouse if they receive Medicare benefits.
When one spouse in a couple turns 62 years old, the other spouse who is at least 65 years old may now qualify for premium-free Medicare Part A if they havent yet qualified based on their own work history.
- For example, Gerald is 65 years old, but he doesnt qualify for premium-free Part A because he did not work the minimum number of years required for eligibility. He can still receive Medicare Part A, but he will have to pay a monthly premium for it. In 2020, the Medicare Part A premium can be as high as $458 per month.
- Lets say Geralds wife, Jessica, reaches age 62 and has worked for the required number of years to qualify for premium-free Part A once she turns 65. Because Jessica is now 62 years old and has met the working requirement, Gerald may now receive premium-free Part A.
In the above example, Jessica has not become eligible for Medicare by turning 62. Her husband Gerald, however, is now eligible to receive his Medicare Part A benefits without paying a monthly premium any longer.
Medicare At Age 65 If Your Younger Spouse Is Still Working
Do you have employer-based health insurance through your spouse? If so, you might want to delay enrollment in Medicare Part B when youâre age 65.
You generally pay a monthly premium for Medicare Part B. Most people donât pay a Part A premium. So, if youâre covered under your working spouseâs plan at age 65, you might want to save money by delaying Part B enrollment.
Check with your spouseâs health plan to make sure it will cover you, and ask how it works with Medicare.
When you qualify for Medicare at age 65, youâd be wise to learn about Medicare so you can have the best possible coverage for you. Then, you can use that wisdom to help guide Medicare planning for your spouse. Read this article on planning and budgeting for Medicare.
You might already know that your Medicare at age 65 doesnât have to stop at Medicare Part A and Part B coverage. You have other Medicare coverage choices and you can compare plans. Type your zip code in the box on this page to start looking at plans in your area.
You and your spouse have to enroll in Medicare coverage separately.
Medicare information is everywhere. What is hard is knowing which information to trust. Because eHealthâs Medicare related content is compliant with CMS regulations, you can rest assured youâre getting accurate information so you can make the right decisions for your coverage.Read more to learn about our Compliance Program.
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In General It’s 65 But You Might Be Eligible Sooner
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When you think of Medicare, you probably assume that its for people of retirement age. Thats true, but the program covers more than just those who have worked all their life. You might be eligible right now and not know it. While most beneficiaries are people aged 65 or older, others receive these services at a younger age due to a qualifying disability.