How & When does one enroll, sign up for Medicare?

Part A – Hospital, usually for no premium and

Part B Doctors for around $134/month?

Official Medicare ONLINE enrollment website.

Official Medicare Enrollment Site
Official Medicare Enrollment Site

If you have Part A and only need Part B – use this form  OMB No. 0938-1230 

Should you start taking Social Security too?

I won’t go into a lot of detail here as:

CA Health Line 10.27.2016 and

Medicare have done an excellent job of explaining how and when to enroll in their:

Guide Medicare & You,

Publication 11036 Enrolling in Parts A & B,

Welcome to Medicare for those who get Part A Automatically # 11095

Videos

The best time to sign up is 3 months before your 65th birthday and coverage will start on the 1st of the month of your birthday.   Be sure to let your prior carrier know at least 30 days in advance.  Especially if it’s Covered CA!  That way you don’t have double premiums and duplicate coverage.

Once you enroll in Parts A & B, you are then eligible to get a Medi Gap Plan and part D Rx or Medicare Advantage (HMO) to fill in the gaps that Medicare doesn’t pay.  Please note that prescription drug coverage is mandatory with a penalty when you eventually sign up, if you didn’t  sign up when you are supposed to.

Please call 310.519.1335 or email us ([email protected])
for more information and enrollment into a Medicare Advantage, Prescription or Supplemental Plan.

FAQ’s

What is a better choice for Me?

Medi-Gap or Medicare Advantage?

What if I don’t have enough credits to qualify?

Medicare.Gov FAQ’s on signing up for Part B

Ask a us Question

A different Insurance Agent's Pod Cast on Medicare Supplements & Advantage Plans Be careful - it's annoying that the sound starts immediately

A different Insurance Agent’s Pod Cast on Medicare Supplements & Advantage Plans Be careful – it’s annoying that the sound starts immediately

medicare.id.card

Sample Medicare Card

Medicare Parts A & B Enrollment
Find this section in the table of contents

Medicare & You 2018 - Everything you want to know Publication 10050

Medicare & You 2018 – Everything you want to know Publication 10050

When to enroll in Medicare

social.security.video.to.enroll
Video – How to enroll ONLINE in Medicare
medicare.enrollment
Publication 11036 28 Pages
medicare.apply_.online[1]
Medicare ONLINE Enrollment
See page 11 Publication 11036 Enrolling in Medicare for full details

When you’re first eligible for Medicare, you have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B.

Example

For example, if you’re eligible for Medicare when you turn 65, you can sign up during the 7-month period that:

  • Begins 3 months before the month you turn 65
  • Includes the month you turn 65
  • Ends 3 months after the month you turn 65

If you have to buy Part A and/or Part B, you can only sign up during a valid enrollment period.

Note

If you wait until the month you turn 65 (or the 3 months after you turn 65) to enroll, your Part B coverage will be delayed. This could cause a gap in your coverage.

In most cases, if you don’t sign up for Medicare Part B when you’re first eligible, you’ll have to pay a late enrollment penalty. You’ll have to pay this penalty for as long as you have Part B and could have a gap in your health coverage.

Find out when you’re eligible for Medicare.

 

Child & Sibling Pages

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Between January 1–March 31 each year

You can sign up for Part A and/or Part B during the General Enrollment Period between January 1–March 31 each year if both of these apply:

  • You didn’t sign up when you were first eligible.
  • You aren’t eligible for a Special Enrollment Period (see below).

You must pay premiums for Part A and/or Part B. Your coverage will start July 1. You may have to pay a higher premium for late enrollment in Part Aand/or a higher premium for late enrollment in Part B.

Note

To sign up for Part B, complete an Application for Enrollment in Part B (CMS-40B). Get this form and instructions in Spanish. If you don’t have Medicare or you want to sign up for Part A (some people have to pay a premium for Part A), contact Social Security.

Special circumstances (Special Enrollment Periods)

Once your Initial Enrollment Period ends, you may have the chance to sign up for Medicare during a Special Enrollment Period (SEP). If you’re covered under a group health plan based on current employment, you have a SEP to sign up for Part A and/or Part B anytime as long as:

  • You or your spouse (or family member if you’re disabled) is working.
  • You’re covered by a group health plan through the employer or union based on that work.

You also have an 8-month SEP to sign up for Part A and/or Part B that starts at one of these times (whichever happens first):

  • The month after the employment ends
  • The month after group health plan insurance based on current employment ends

Usually, you don’t pay a late enrollment penalty if you sign up during a SEP.

Note

COBRA and retiree health plans aren’t considered coverage based on current employment. You’re not eligible for a Special Enrollment Period when that coverage ends. This Special Enrollment Period also doesn’t apply to people who are eligible for Medicare based on having End-Stage Renal Disease (ESRD).

Note

If you have a Health Savings Account (HSA) with a High Deductible Health Plan (HDHP) based on your or your spouse’s current employment, you may be eligible for an SEP. To avoid a tax penalty, you should stop contributing to your HSA at least 6 months before you apply for Medicare. You can withdraw money from your HSA after you enroll in Medicare to help pay for medical expenses (like deductibles, premiums, coinsurance or copayments).

You may also qualify for a Special Enrollment Period for Part A and Part B if you’re a volunteer, serving in a foreign country.

Get an estimate of your Medicare eligibility date.

Learn how to sign up for Medicare if you have coverage through the Health Insurance Marketplace.Copied from Medicare.Gov

 

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12 comments on “Enrollment into Part A Hospital & B Doctor Visits

  1. I need Medicare Coverage for April 1st.

    1. What is the deadline to turn in my paper application or do it online?

    2. If I apply say March 31st, will coverage start April 1st, even though I haven’t been notified?

    • Part A Hospitalization will be effective on the first month that you are eligible for Medicare (your birthday) as long as you do it within the time frame shown above – 3 months before or after the month you turn 65 Enrolling in Medicare 11036 page 11

      Part B gets delayed a month, if you don’t sign up before your birthday month. See page 12 for chart.

      If you have a special enrollment period for Part B, coverage typically starts the month after Social Security gets your application – see page 13.

  2. Medicare was enacted in 1965. I first had it deducted from paychecks starting in 1966. I retired in 2016 so Medicare was deducted from all my earnings for 50 years.

    I finally had occasion to use my Medicare benefit getting a doctor ordered blood test in order to continue receiving medication for high blood pressure. Medicare paid a whopping $2.94. My share was only $241.84.

  3. I can’t check the SS website because it won’t let me setup an account due to the fact that when I first tried to set up an account on March 8th I didn’t answer some of the identity verification questions correctly so it locked me out indefinitely. Great, huh!

    I was able to apply at Medicare however that day and got a confirmation email.

    I tried today to call SS to reset the site so I can setup an account, and see if I’m enrolled, but the wait time was 1-1/2 hours. Great, huh!

    Any suggestions????

  4. Hello Steve,

    1. I have coverage through my work.

    2. Will be turning 65 April 15th so need to enroll in Medicare.

    3. Any recommendations for that with the job coverage??

    Regards,

    Mike

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