Monday, April 15, 2024

Can You Sign Up For Medicare Online

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Signing Up For Original Medicare

Sign Up Medicare Online – How To Enroll In Medicare Online

There are a few different ways to sign up for Medicare Part A and Medicare Part B if you are not automatically enrolled.

Medicare Part A and Part B are also called Original Medicare.

3 Ways to Sign Up for Medicare Part A and Part B

  • Fill out the online application on the Social Security Administrations website.
  • Visit your local Social Security office. You can use the Social Security office locator to find your nearest location.
  • If you worked at a railroad, call the Railroad Retirement Board at 1-877-772-5772 to sign up.

    If you are not automatically enrolled, the best time to sign up for Medicare is during your initial enrollment period.

    This is a seven-month window that begins three months before the first day of the month of your 65th birthday, includes your birth month and ends three months after your birthday.

    Prepare for Medicare Open Enrollment

    Your Complete Guide To Signing Up For Medicare Online

    Find out when and how you can sign up for the first time, change coverage, and manage your Medicare benefits online.

    When it comes to applying for Medicare, signing up online is a no-brainer. But if you really want to save time and energy by applying online, you need more information than the website address.

    Heres what you need to know to sign up for Medicare online quickly and easily without missing essential deadlines and incurring extra costs.

    Do You Have To Sign Up For Medicare When Youre 65

    As long as you have creditable coverage, you dont have to enroll in Medicare when you are 65. Technically, you dont have to sign up for Medicare at all if you dont want to. Medicare is not mandatory, but it is important to be aware that if you choose to sign up later without creditable coverage, youll incur penalties that you may be stuck with for the rest of your life.

    The most common reason a new beneficiary may delay enrolling in Medicare is that they have coverage through their employer. However, not all group coverage is creditable coverage. The size of your employer will determine if the coverage is creditable.

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    If You Delayed Medicare Because You Were Still Working

    If you delayed enrolling in Medicare Parts A and B because you were still working, then you can enroll online for both Part A and Part B.

    There are also two forms you need to fill out and send in to Social Security. This shows that you were covered under employer or other creditable insurance. As long as you can provide proof of coverage then you wont have any penalty for not signing up when you were first eligible at 65.

    When To Enroll In Medicare If I Dont Want Medicare Part B:

    Age To Sign Up For Medicare

    If youre automatically enrolled in Medicare Part B, but do not wish to keep it you have a few options to drop the coverage. If your Medicare coverage hasnt started yet and you were sent a red, white, and blue Medicare card, you can follow the instructions that come with your card and send the card back. If you keep the Medicare card, you keep Part B and will need to pay Part B premiums. If you signed up for Medicare through Social Security, then you will need to contact them to drop Part B coverage. If your Medicare coverage has started and you want to drop Part B, contact Social Security for instructions on how to submit a signed request. Your coverage will end the first day of the month after Social Security gets your request.

    If you have health coverage through current employment , you may decide to delay Medicare Part B enrollment. You should speak with your employers health benefits administrator so that you understand how your current coverage works with Medicare and what the consequences would be if you drop Medicare Part B.

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    How To Sign Up For Medicare Supplement Insurance

    Medicare supplement insurance, or Medigap, covers gaps in Original Medicare. It pays some of the costs that Original Medicare doesn’t like copays and coinsurance. Some older Medigap plans will even cover the cost of an enrollee’s deductible.

    These supplement insurance plans are also sold by private health insurance providers. Plans vary by state, with most states offering up to eight standardized plans 2020, identified by letters.

    Medigap plans don’t cover routine dental, routine vision, routine hearing, prescription drugs, or long-term care. They do, however, provide health coverage if you travel outside of the U.S.

    The Initial Open Enrollment Period for Medicare Supplement insurance is the six-month period beginning the month you turn 65. If you enroll when you’re first eligible, insurers can’t deny your application due to pre-existing health conditions.

    If you sign up at a later time, enrollment is subject to medical underwriting. Click here to sign up online for Medicare Supplement insurance.

    Enrolling When Youre Indigenous

    If youre Indigenous and have common identity documents, mail or email them with your Medicare enrolment form to Medicare Enrolment Services.

    If you dont have standard identity documents, you can use a referee instead. You and your referee need to fill in the Aboriginal and Torres Strait Islander Medicare enrolment and amendment form. The form says who can be a referee.

    You can take your form to your local agent, access point or service centre.

    Call the Indigenous access line if you need help with the form.

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    Scenario : You Want To Wait To Take Social Security Until Well After You’re Eligible For Medicare

    The opposite situation is a bit trickier. The SSA allows you to apply online just to receive Medicare benefits if you aren’t yet ready to claim your Social Security. That will meet the requirements for getting Medicare coverage within the appropriate initial enrollment period, avoiding any potential penalties that can result from missing that deadline.

    Later on, you can apply for retirement or spousal Social Security benefits based on your time schedule. This allows you to take advantage of delayed retirement credits on your retirement benefits, boosting your monthly check by 8% per year beyond your full retirement age. The later application process isn’t automatic as it is with Medicare, but it does give you the financial flexibility to tailor your retirement planning to your specific needs.

    As you can see, in many cases, you can sign up for Medicare and Social Security at the same time. Even if you don’t get benefits simultaneously, the process is typically simple unless you decide to delay taking Social Security beyond the 65-year-old eligibility age for Medicare benefits.

    When Is The Medicare General Enrollment Period

    How to Sign Up for Medicare

    The Medicare General Enrollment Period occurs every year from January 1 through March 31. You may enroll in Medicare during this time if you missed your Initial Enrollment Period. Your Medicare coverage will begin on July 1.

    Depending on how long you delayed Medicare enrollment, you may owe late penalties.

    If your IEP includes January, February, or March, signing up for Medicare during this time still counts as your Initial Enrollment Period.

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    Signing Up For Medicare Online Step

    Signing up for Medicare online through the Social Security Administration is the fastest way to apply.

    Enrollment takes less than 10 minutes online, according to the Social Security Administration.

    How to Apply for Medicare Online

  • Create a My Social Security account if you dont have one already.
  • Visit the Social Security Administrations Apply for Benefits page.
  • Follow the instructions.
  • You will be asked to provide your current health insurance information or, if you receive Medicaid benefits, your Medicaid number.

    You may be required to provide additional documentation if you are:

    • Not a U.S. citizen
    • Applying under your spouses work record
    • Over age 65 and transitioning from your employers health coverage

    After youre enrolled, CMS will send you a welcome packet in the mail along with your Medicare card.

    If you sign up for Medicare on your own, the packet should arrive about two weeks after you sign up.

    You will also receive a Medicare & You handbook, which includes important information about your coverage.

    Medicare Annual Enrollment Period

    Once you sign up for Original Medicare Part A and Part B, you are covered and dont need to renew it. But every year, during the Medicare Annual Enrollment Period you have an opportunity to change your Medicare health or prescription drug plan. This happens annually from Oct. 15 through Dec. 7. If you make a change during this enrollment period, your new plan benefits are effective Jan. 1 of the following year.

    Read more info in our Medicare Annual Enrollment Period Guide.

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    How Do I Sign Up For Medicare Part B If I Already Have Part A

    If you are already enrolled in Medicare Part A and you would like to enroll in Part B under the Special Enrollment Period , you can apply online at Apply for Medicare Part B Online during a Special Enrollment Period. You can upload your application and documents that verify your group health plan coverage through your employer.

    You can also fax or mail your completed CMS-40B, Application for Enrollment in Medicare Part B and the CMS-L564, Request for Employment Information enrollment forms and evidence of employment to your local Social Security office. If you have questions, please contact Social Security at 1-800-772-1213 .

    Note: When completing the forms CMS-40B and CMS-L564:

    • State I want Part B coverage to begin in the remarks section of the CMS-40B form or online application.
    • If your employer is unable to complete Section B, please complete that portion as best as you can on behalf of your employer without your employer’s signature.
    • Also submit one of the following forms of secondary evidence:
      • Income tax returns that show 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.

    What Happens If You Don’t Have Medicare Part D

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    If you do not have creditable drug coverage elsewhere, you must have a Medicare Part D plan if you want to avoid paying late fees. Any time you go 63 days or more without prescription drug coverage and do not qualify for an SEP, you start accruing late fees.

    The Medicare Part D late penalty is based on the national base beneficiary premium, which changes every year. The number of months you go without creditable coverage is also part of the calculation.

    In 2022, the national base beneficiary premium is $33.37. You pay 1 percent of this amount for every month you go without coverage. That total is then rounded to the nearest dime. The example below assumes you go 10 months without a Part D plan.

    $33.37 x 10% = 3.337, rounded to the nearest dime = $3.30

    This amount is added to your monthly Part D premium for the entire time you have Medicare.

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    For Insurance Quotes By Phonetty 711 Mon, DBA of Health Insurance Associates LLC, is privately owned and operated. is a non-government asset for people on Medicare, providing resources in easy to understand format. The government Medicare site is

    This website and its contents are for informational purposes only and should not be a substitute for experienced medical advice. We recommend consulting with your medical provider regarding diagnosis or treatment, including choices about changes to medication, treatments, diets, daily routines, or exercise.

    This communications purpose is insurance solicitation. A licensed insurance agent/producer or insurance company will contact you. Medicare Supplement insurance plans are not linked with or sanctioned by the U.S. government or the federal Medicare program.


    When Is My Medicare Initial Enrollment Period

    For most people, enrolling in Medicare Part A is automatic. However, there are several instances where you may have to manually enroll in Medicare Part A and/or Part B during your Initial Enrollment Period , the seven-month period that begins three months before you turn 65, includes the month of your 65th birthday, and ends three months later.

    Some situations where you would enroll in Medicare during your initial enrollment include:

    Read Also: How Much Does Medicare Part B Cost At Age 65

    Final Word On How To Sign Up For Medicare Online

    Medicare coverage involves more than Part A and Part B benefits. If you need additional coverage, there’s also Medicare Advantage , Medicare prescription drug coverage, or Medicare Supplement insurance.

    You can only enroll in Medicare during specific periods throughout the year. Depending on the chosen coverage, you can sign up online through the Social Security Administration, or apply through a private health insurance company. To learn more about coverage options, contact a licensed Medicare insurance agent.

    Valencia Higuera is a personal finance writer with more than 10 years of professional writing experience. She resides in Chesapeake, Virginia.

    If You Already Receive Benefits From Social Security:

    Sign Up for Medicare Online – Keep Your Distance PLEASE!

    If you already get benefits from Social Security or the Railroad Retirement Board, you are automatically entitled to Medicare Part A and Part B starting the first day of the month you turn age 65. You will not need to do anything to enroll. Your Medicare card will be mailed to you about 3 months before your 65th birthday. If your 65th birthday is February 20, 2010, your Medicare effective date would be February 1, 2010.

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    Decide On Your Preferred Medicare Coverage

    You have options when it comes to Medicare coverage. You can:

    If you want a Medicare Supplement or Medicare Advantage plan, you can also sign up for these online. However, you must have signed up for Original Medicare first.

    How To Sign Up For Medicare

    Some people are automatically enrolled in Original Medicare while others need to sign up on their own. In this guide, we explore the step-by-step process of enrolling in Medicare Part A and Part B as well as Part D drug plans, Medigap policies and Medicare Advantage plans.

    On This Page

    Some people are automatically enrolled in Medicare Part A hospital insurance and Medicare Part B medical insurance.

    You are automatically enrolled in Medicare Part A and Part B if:

  • You receive Social Security retirement benefits or Railroad Retirement Board benefits for at least four months before turning 65.
  • You are under the age of 65 and have received Social Security or Railroad Retirement Board disability benefits for at least 24 months.
  • If you already collect Social Security retirement benefits, you are automatically enrolled in Medicare Part A and Part B. No further action is required.

    Your coverage will begin the first day of the month you turn 65.

    Even if you are automatically enrolled, you may also decide to:

    • Sign up for a Medicare Part D drug plan.
    • Buy a Medigap supplement insurance policy.
    • Switch to a Medicare Advantage plan.

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    How To Apply For Medicare Online

    If you havent signed up for Social Security benefits, youll need to do that first in order to get Original Medicare . You can create a Social Security account and apply for benefits online here.

    In your Social Security account, you should see a Medicare number. Make a note of this number because youll likely need it later to sign up through

    Most people become eligible for Medicare when they turn 65 years old. However, there are some exceptions.

    When Do I Have To Sign Up For Medicare

    Medicare Consequences: What Happens if You Don

    If youre collecting Social Security, youll automatically be enrolled in both Part A and Part B. If youre not receiving Social Security, then youll want to sign up manually during your Initial Enrollment Period.

    Three months before your 65th birthday, your Initial Enrollment Period window will start. Your IEP is a once-in-a-lifetime enrollment window that you dont want to miss.

    If you do happen to miss it, youll have another opportunity to enroll during another enrollment period. However, you could get a penalty for not signing up when you first become eligible. The only way around the penalty is if you have creditable coverage.

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    How To Enroll In Medicare

    Enrolling in Medicare is easy once you understand how to do so. It’s important to know that how you enroll in Medicare Part A and Part B is different from how you enroll in Medicare Advantage , Part D or Medicare supplement insurance.

    See the table below for a quick overview of how to enroll in a Medicare or Medigap plan and read on for how-to steps for both Original Medicare and the three kinds of Medicare and Medigap plans.

    Original Medicare Medicare Advantage plan Medicare Prescription Drug plan Medicare Supplement Insurance plan How to Enroll

    Enroll in Original Medicare online at the Social Security website or by calling or visiting your local Social Security office.

    Enroll directly in the plan e.g., on the plans website or .

    Enroll directly in the plan e.g., on the plans website or .

    Enroll directly in the plan e.g., on the plans website

    Original Medicare

    How to Enroll

    Enroll in Original Medicare online at the Social Security website or by calling or visiting your local Social Security office.

    Medicare Advantage plan

    How to Enroll

    Enroll directly in the plan e.g., on the plans website or .

    Medicare Prescription Drug plan

    How to Enroll

    Enroll directly in the plan e.g., on the plans website or .

    Medicare Supplement Insurance plan

    Enroll directly in the plan e.g., on the plans website

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