Be Ready To Respond When Social Security Calls
Sometimes Social Security will call within seven days or less of an online application because of an issue. Social Security rarely calls, so some clients think it is a scam. However, with Medicare online enrollments, Social Security tries to rectify problems with applications quickly if possible, so they do call.
How To Sign Up For Medicare Advantage: When Can I Enroll
Medicare Advantage, also known as Medicare Part C, is another way to receive Original Medicare benefits and is offered through private insurance companies that have contracts with Medicare. At minimum, all Medicare Advantage plans must offer the same Medicare Part A and Part B benefits as Original Medicare. Some Medicare Advantage plans also include additional benefits, such as prescription drug coverage. You must have Original Medicare, Part A and B, to enroll in a Medicare Advantage plan through a private insurer.
You can enroll in a Medicare Advantage plan during two enrollment periods, the Initial Coverage Election Period and Annual Election Period.
When Can You Enroll In Medicare
You can apply for Medicare during three distinct enrollment periods: your Initial Enrollment Period, the General Enrollment Period and a Special Enrollment Period when youre getting off your employers health coverage.
Medicare Enrollment Dates
|Change to a 5-star Medicare Advantage or Part D prescription drug plan.|
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If You Are Under Age 65 And Disabled:
If you are under age 65 and disabled, and have been entitled to disability benefits under Social Security or the Railroad Retirement Board for 24 months, you will be automatically entitled to Medicare Part A and Part B beginning the 25th month of disability benefit entitlement. You will not need to do anything to enroll in Medicare. Your Medicare card will be mailed to you about 3 months before your Medicare entitlement date. , you get your Medicare benefits the first month you get disability benefits from Social Security or the Railroad Retirement Board.) For more information about enrollment, call the Social Security Administration at 1-800-772-1213 or visit the Social Security web site. See also Social Security’s Medicare FAQs.
For more information, see Medicare.gov
How To Enroll In A Medicare Part D Plan
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The Corporate Plan To Murder Medicare Runs Through Medicare Advantage
In 2003, George W Bush set up the destruction and privatization of Medicare. The end of “real Medicare” is getting closer every day, and Congress and Medicare’s administrators are doing nothing.
Last Friday the Centers for Medicare Services announced a 14.5% increase in Medicare Part B premiums, raising the monthly payments by the lowest-income Medicare recipients from $148.50 a month to $170.10 a month next year.
Congress must stop these for-profit parasites who are steadily draining “real” Medicare of funds and resources while producing billions in profits and often outright stolen funds for the insurance industry.
If you’re trying to live on the bottom rung of Social Security , that’s consequential. People with Medigap policies are also seeing their policy price rises announced this month.
Two months ago I wrote about the Medicare Advantage Scam and how it can screw consumers. This price hike, though, raises the larger issue of what’s happening to Medicare itself and whether the entire system may be out of business in a few years, in part because our government is being robbed blind by all these so-called “Advantage” plans.
It all began with George W. Bush, who’d spent most of his life openly and proudly campaigning to privatize Medicare and Social Security.
This was the GOP’s big chance to finally privatize Medicare, albeit one customer at a time.
Here are a few quotes and summaries from the report:
When Should You Apply For Medicare If You Have Employer Health Coverage
Most people should sign up for Medicare Part A when theyre first eligible because it rarely costs anything. But some people delay enrolling in Part B because they dont want to pay the monthly premium. The decision usually depends on the type of health coverage you already have.
You can put off enrolling in Part B at age 65 if you have group health coverage through your or your spouses job and the employer has at least 20 employees.6 Youll be able to enroll with no penalty during the Special Enrollment Period that follows the end of your employers insurance. You can also choose to enroll in Part B while still insured and pay the premium.
If your employer has fewer than 20 employees, you should apply for Part A and Part B as soon as youre eligible.7
Be sure to talk to your employers benefits administrator about how signing up for Medicare will affect your coverage or Health Savings Account .8 You cannot contribute to an HSA if you have Medicare Part A. Your administrator can help you time the beginning and end of your coverage through work and your new health insurance so theres no gap in your coverage.
When your group coverage is ending, youll need to complete documentation and submit it to your Social Security office. If you have questions, ask Social Security.
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Applying For Medicare With Employer Coverage
Can you still enroll in Medicare coverage, even if youre not yet seeking retirement? The answer is yes! Medicare coverage can coincide with your group coverage through your employer. If your employer has more than 20 employees, your group coverage will work as your primary insurance, and Medicare will be your secondary insurance.
You can choose to apply for Part B, or you can wait until leaving your employer group coverage. For more information on the benefits of obtaining Medicare while receiving group coverage through work, give our team a call, and we can review the pros and cons.
Sometimes beneficiaries dont want to apply for Part B when they initially become eligible because of employer health coverage. Should you lose your health insurance through your employer, or if you prefer to switch over to Medicare, you can apply any time while receiving coverage through your employer.
Sign Up For A Mymedicaregov Account
After you sign up for Medicare, you can create a MyMedicare.gov account to manage your coverage.
With your MyMedicare.gov account, you can:
- Get details about the plans youre enrolled in and what they cover.
- Update your personal information.
Creating an account on MyMedicare.gov is quick and easy.
How to Sign Up for MyMedicare.gov
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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 Medicare.gov.
Most people become eligible for Medicare when they turn 65 years old. However, there are some exceptions.
When Do I Sign Up For Medicare Advantage
Before you sign up for Medicare Advantage, make sure you weigh the pros and cons of Medicare Advantage vs. Medicare Supplements. If you choose to sign up for Medicare Advantage, you can do so during your IEP.
If you missed your IEP, you can join during the Medicare Annual Enrollment Period. For those currently enrolled in a Medicare Advantage plan, you also have another opportunity to make changes during the Medicare Advantage Open Enrollment Period.
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Become A Medicare Provider Or Supplier
Ready to become a Medicare provider or supplier? This guide will help you enroll in three steps.
Do not use this guide if
- Youre a DMEPOS supplier. DMEPOS suppliers should follow the instructions on the Enroll as a DMEPOS Supplier page.
- Youre an institutional provider. If youre enrolling a hospital, critical care facility, skilled nursing facility, home health agency, hospice, or other similar institution, you should use the Medicare Enrollment Guide for Institutional Providers.
Use this guide if any of the following apply:
- Youre a health care provider who wants to bill Medicare for your services and also have the ability to order and certify.
- You dont want to bill Medicare for your services, but you do want enroll in Medicare solely to order and certify.
- You wish to provide services to beneficiaries but do not want to bill Medicare for your services.
- You want to enroll as a supplier who does not dispense or furnish durable medical equipment, prosthetics, orthotics and supplies .
Step 1: Get an NPI
If you already have an NPI, skip this step and proceed to Step 2.
Keep Your Information Current
Its important to keep your enrollment information up to date. To avoid having your Medicare billing privileges revoked, be sure to report the following changes within 30 days:
- a change in ownership
Dont Register For Medicare Alone
If youre uncomfortable with applying for Medicare alone, we can help! Our services are completely free for you. If you would like an agent by your side when applying, contact us. We can walk you through setting up all your coverage, including Medicare, Medigap, Part D, and more.
Plus, when you use us to apply, you get unlimited support from our Client Service Team. That means if you have any issues with claims or appeals, we can help at no additional cost. You can compare rates online or give us a call today at the number above.
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Who Does Not Have To Apply For Medicare
If you already receive Social Security benefits or Railroad retirement benefits before turning age 65, youll be automatically enrolled in Medicare Parts A and B. You dont need to do anything or apply online.
Your red white and blue Medicare card will be mailed to you approximately 60-90 days before your effective date. Your Medicare card will have your name, Medicare Beneficiary Identifier number and coverage effective dates for Part A and Part B.
When Is The Earliest You Can Sign Up
Youre first eligible for Medicare starting three months before you turn 65. That kicks off whats known as your Initial Enrollment Period.
The Initial Enrollment Period covers seven months: the three months before your 65th birth month, the month of your 65th birthday and the three months following your 65th birth month. For example, lets say your birthday is sometime in May. The three months before are February, March and April, and the three months following are June, July and August.
Keep in mind that the date you apply for Medicare will affect the start date of your coverage. To receive Medicare Part A and Medicare Part B beginning the first day of the month you turn 65, you must sign up during the three months before your 65th birth month. If you wait to sign up during your birth month or the next three months, your start date will be delayed by one, two or three months.
If your birthday is on the first day of your birth month, Part A and Part B will start the first day of the prior month. So, if, say, your birthday is September 1, your benefits will begin on August 1.
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When Can I Enroll In Medicare If I Am Not Receiving Retirement Benefits:
If you are not yet receiving retirement benefits and are close to turning 65, you can sign up for Medicare Part A and/or Part B during your IEP. If you decide to delay your Social Security retirement benefits or Railroad Retirement Benefits beyond age 65, there is an option to enroll in just Medicare and apply for retirement benefits at a later time.
Sign Up For Mymedicaregov
Once youve signed up for Medicare online, you can manage your coverage via Medicares free, secure service, MyMedicare.gov.
Once you create an account, you can do the following:
- View enrollment status and coverage information.
- Update personal information.
To sign up online for MyMedicare.gov, have the following information ready:
- Medicare number
- Date of birth
- Part A effective date
Tip Use MyMedicare.gov to manage your Part A and B coverage. If youre enrolled in Medicare Advantage, a Medigap Supplement plan, or a Part D plan, visit your plans website or check with your insurance company.
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Do I Need To Apply For Medicare Online
For many people, the question isnt so much can I apply for Medicare online, but do I need to apply for Medicare at all?
The traditional Medicare government program is made up of Part A and Part B . If youre receiving Social Security benefits, in most cases youre automatically enrolled in Part A and Part B when you become eligible for Medicare.
But you might need to apply for Medicare online if youre not automatically enrolled. For example, you might have to apply for Medicare if:
- You decided to delay your Social Security benefits, but you still want Medicare as soon as you qualify for it.
- You dont receive Social Security benefits.
- You live in Puerto Rico. If youre automatically enrolled in Medicare, its generally only Part A. You need to apply for Part B.
- You decided to delay enrollment in Part B even though you were eligible for it.
NEW TO MEDICARE?
How Do I Sign Up For Medicare
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Youll be automatically enrolled in Medicare at age 65 if youre already receiving Social Security. If you arent receiving those benefits, you can enroll in one of three ways:
Applying online at Social Securitys site.
Visiting a local Social Security office in person.
The online application typically takes less than 10 minutes. If you want to visit a Social Security office, consider making an appointment in advance .
Medicare is also available to younger people who get Social Security disability benefits. Usually, theyre enrolled in Medicare automatically after 24 months. People who have ALS, also known as Lou Gehrigs disease, automatically receive Medicare coverage the same month that they get their first disability check. People with kidney failure can apply for Medicare, with coverage typically starting on the first day of the fourth month of dialysis treatments.
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Do You Need To Apply For Medicare
Most people do need to apply for Medicare. But if you reach age 65 and youre already receiving retirement benefits from Social Security or the Railroad Retirement Board, youll be signed up for Medicare Part A and Part B automatically.
And if you arent receiving retirement benefits and you dont have health coverage through an employer, you will need to apply for Medicare as you approach age 65. If you need to apply, Medicare gives you several options.
Enrolling When Youre Indigenous
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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How Do I Check On My Online Medicare Application
You can check on the status of your Medicare application at any time using your My Social Security account. You can use the confirmation number you received when you submitted your application.
Youll be able to see when your application has been received, is processing, and is approved. You can also call Social Security at 800-722-1213 to check on your status.
Youll receive a decision letter in the mail when Social Security is done processing your application.
Youll also receive your Medicare card in the mail, as long as your application was approved. It generally takes less than a month from the time you apply to the time you receive your card in the mail.
Monthly Medicare Premiums For 2021
The standard Part B premium for 2021 is $148.50. If youre single and filed an individual tax return, or married and filed a joint tax return, the following chart applies to you:
|Modified Adjusted Gross Income||Part B monthly premium amount||Prescription drug coverage monthly premium amount|
|Individuals with a MAGI of less than or equal to $88,000 Married couples with a MAGI of $176,000 or less||2021 standard premium = $148.50|
|Your plan premium + $77.10|
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