What Should You Do Once You Get Medicare
Although you can rely on Original Medicare alone, 86% of Medicare enrollees also have some type of additional coverage.2 It can be from an employer, a privately-purchased plan or from a government-run program like Medicaid. Original Medicare pays for a great deal of healthcare, but still leaves you with potentially costly gaps in healthcare coverage. Supplementary plans can cover these gaps including deductibles and copayments at a fraction of the out-of-pocket rate.
MedicareGuide.coms plan selector is designed to intelligently bring you the best Medicare Supplement plans. These plans, also known as Medigap policies, fill the gaps in coverage that you would otherwise be charged by Original Medicare.
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?
When Should You Carry Your Medicare Card
Its a good idea to carry your Medicare card with you whenever youre away from home. You will need to show it to doctors, hospital staff and other healthcare providers whenever you are seeking care.1
If you dont want to bring it with you to a health appointment, you can call ahead and ask the doctors office if theyll need a copy of the card.
Also Check: Is Medicare Advantage A Good Choice
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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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 To Sign Up For Medicare Part B
If youre retiring, the best time to enroll in Part B is during your Initial Enrollment Period. For those still working past 65, check with your health administrators whether your employer coverage is creditable.
If it is, you can enroll in Part B when you retire or leave your group health plan. Youll be eligible for a Special Enrollment Period when you can enroll without any penalties. If your group health plan is not considered creditable coverage, then you should register for Part B during your Initial Enrollment Period.
If you missed your Initial Enrollment Period, the next enrollment window you can enroll in Part A and Part B is the General Enrollment Period.
If You Cant Get Proof Of Your Vaccination Online
If you cant get proof online, your vaccination provider can print your immunisation history statement or COVID-19 digital certificate for you.
You can also call the Australian Immunisation Register on and ask for your statement or certificate to be posted to you. It can take up to 14 days for your statement or certificate to arrive in the post.
If you need an interpreter, please call the Telephone Interpreter Service on
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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.
Medicare Faqs And Information To Consider
If you are already receiving Social Security benefits, Railroad Retirement benefits, or Federal Retiree benefits, your enrollment in Medicare is automatic. Your Medicare card should arrive in the mail shortly before your 65th birthday. Check the card when you receive it to verify that you are entitled to both Medicare Parts A and B.
Initial Enrollment Period:
If you are not eligible for Automatic Enrollment, contact the Social Security Administration at 800-772-1213 or enroll online at www.socialsecurity.gov, or visit the nearest Social Security office to enroll in Medicare Part A and Medicare Part B. You have a seven month window in which to enroll in Medicare without incurring a penalty. If youre not automatically enrolled in premium-free Part A, you can sign up for it once your Initial Enrollment Period starts. Your Part A coverage will start six months back from the date you apply for Medicare, but no earlier than the first month you were eligible for Medicare. However, you can only sign up for Part B during the times listed below.
General Enrollment Period:
- General Enrollment Period for Medicare Parts A & B
If you have coverage through a current employer, you are not required to enroll in Medicare Part A and B. Below are some things to keep in mind about each part of Medicare.
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Check Status Of Medicare Application
There are various ways to receive Medicare coverage.
Otherwise, you need to sign up for this coverage on your own.
Once your application is submitted, you can check on its status by:
- Logging in to your My Social Security account
- Visiting your local Social Security office
- Visiting the Check Enrollment page on your MyMedicare.gov account
To check the status of your Medicare application on the Social Security website, you will need to enter your Social Security number and the confirmation number you received when you filed your application.
Your application status will show:
- The date your application was received
- Any requests for additional documents
- The address of the Social Security office processing your application
- Whether a decision has been made about your application
Once your application is processed, you will receive a notification letter in the mail to inform you of whether your application was approved.
If you need help, or are unable to check your application status online, call the Social Security Administration at 1-800-772-1213 from 7 a.m. to 7 p.m. Monday through Friday.
Common Questions About Your New Medicare Card
The Centers for Medicare & Medicaid Services announced that new Medicare cards would be delivered to all Medicare recipients between April 2018 and April 2019. A new identification card will be delivered to anyone who receives Medicare benefits. Many Medicare recipients have questions about this change. Lets answer some of the most common questions regarding the new Medicare cards.
Why do I need a new Medicare card?
If you already receive Medicare benefits, you are familiar with the red, white, and blue card that arrived as soon as you were eligible for Medicare. Even though you understand that you should keep your Medicare identification card on you in case of a visit to a doctor, medical provider, or hospital, some people have expressed concern. Until this year, Medicare cards have been printed with your Social Security number. Unfortunately, carrying your Social Security number on you at all times can lead to identity theft and fraud. In an effort to protect you, CMS is issuing new Medicare cards printed without your Social Security number. Instead, each card will have a unique identification number that will be used to reference your specific Medicare account.
Will my Medicare benefits change once I receive my new card?
Your Medicare coverage will not change with the arrival of your new card. You are simply getting a new identification card to carry with you so that you can present it to medical providers, doctors, or hospitals.
Do I need to request a new card?
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Important Information Regarding If You Enroll In Other Medical Coverage At A Future Date:
Once you enroll in another medical plan with Part D prescription coverage, Employee Benefits will receive notification from the plan administrator. After confirmation is received of your enrollment in another Part D prescription plan, Employee Benefits will automatically dis-enroll you from the medical plan you have with the City of Oklahoma City.
Your Medicare Card When To Expect It
If you are already receiving retirement benefits: If you are already receiving Social Security or Railroad Retirement Board benefits, you should automatically receive your Medicare card in the mail about three months before you turn 65. If you qualify for Social Security benefits, you will automatically qualify for Medicare Part A as well. You will need to enroll in Medicare Part B at the time that you apply for retirement benefits in order for Medicare coverage to begin when you turn 65.
To qualify for Medicare, you need to be an American citizen or legal permanent resident of at least five continuous years who is at least 65 years old, or who qualifies by disability .
If you are receiving disability benefits: If you are currently receiving certain Social Security or RRB disability benefits, you will automatically be enrolled in Medicare after 24 months of receiving disability. You should receive your Medicare card in the mail in the 25th month after you receive your first Social Security check.
For individuals with ALS , you will automatically be enrolled in Medicare the same month that your disability benefits begin.
For individuals with end-stage renal disease , you may manually enroll for Medicare Part A and/or Part B through Social Security any time before or after turning 65.
NEW TO MEDICARE?
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Applying For Your Medicare Card
For some people, Medicare enrollment occurs automatically, while others need to manually enroll. Medicare sends you a red, white, and blue card when youre signed up.
Youre generally eligible for Medicare if youre a United States citizen or permanent legal resident of at least five continuous years, and you generally qualify by age . However, you may qualify for Medicare before turning 65 if you receive Social Security or certain Railroad Retirement Board disability benefits see details below. You may also qualify for Medicare before age 65 if you have amyotrophic lateral sclerosis or end-stage renal disease . Read on for more information.
Exempt From The Three Month Waiting Period
Canadian Armed Forces Dependents
The spouse or dependent of a regular member of the Canadian Armed Forces who has entered the province from another Canadian province or territory are entitled to first-day coverage providing they have established residence in the province of New Brunswick.
Foreign Nationals/Out of Country Residents moving back to New Brunswick
As of June 17, 2010, Foreign Nationals or Canadians moving back to New Brunswick from another country are entitled to Medicare coverage from their first day of arrival in the province providing they are deemed by the Director to have established a permanent residence within New Brunswick. Decisions will be made on a case by case basis.
NOTE: If you have moved to New Brunswick from another Canadian province or territory, it is recommended that you contact your former place of residence to ensure continuous coverage during the three month waiting period.
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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.
Is My Medicare Card The Only Proof Of Health Coverage I’ll Need
Your Medicare card will not indicate whether you have Medicare Advantage, a Medicare Part D drug plan, or supplemental insurance . Generally, youll get a separate card from your plan administrator for each of these plans. If you have Medicare Advantage or Medigap, its a good idea to also carry those cards with you when seeing providers in addition to your regular Medicare card.
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Waiting Period To Get Public Health Insurance
In some provinces you must wait, sometimes up to 3 months, before you can get government health insurance. Contact the ministry of health in your province or territory to know how long youll need to wait. Make sure you have private health insurance to cover your health-care needs during this waiting period.
Enrollment In Original Medicare And The Receipt Of Your Medicare Id Card Will Be Automatic If You Meet One Of The Following Conditions
- If you are turning age 65 and receiving Social Security Insurance or Railroad Retirement Board benefits, your Medicare ID card will arrive three months before your 65th birthday. Coverage usually begins the first day of your birthday month. If your birthday is on the first day of the month, coverage usually starts the month prior.
- If you are under age 65 and have received Social Security disability benefits for 24 months, your Medicare ID card will arrive during the 25th month you have been receiving disability benefits. Coverage starts at the beginning of the 25th month you have been receiving disability benefits.
- If you have Lou Gehrigs disease and begin receiving your Social Security disability benefits, you will receive your Medicare ID card the first month your disability begins. Coverage also starts the first month your disability benefits begin.
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How Much Does Medicare Cost
Original Medicare is divided into Part A and Part B .
- Part A helps pay for inpatient hospital care, some skilled nursing care, home health care and hospice care.
- Part B helps pay for doctor services, outpatient hospital care, durable medical equipment, home health care not covered by Part A, and other services.Medicare was never intended to pay 100% of medical bills. Its purpose is to help pay a portion of medical expenses. Medicare beneficiaries also pay a portion of their medical expenses, which includes deductibles, copayments, and services not covered by Medicare.The amounts of deductibles and copayments change at the beginning of each year.
Part A – Monthly Premium
If you are eligible, Part A is free because you or your spouse paid Medicare taxes while you were working. You earn Social Security “credits” as you work and pay taxes. For each year that you work, you earn 4 credits.
You are 65 or older, and you receive or are eligible to receive full benefits fr om Social Security or the Railroad Retirement Board
You are under 65, and you have received Social Security disability benefits for 24 months You are under 65, and you have received Railroad Retirement disability benefits and you meet Social Security disability requirements You or your spouse had Medicare-covered government employment You are under 65 and have End-Stage Renal Disease