How, when, if & should does one sign up for Medicare Part B – Doctor Visits?

Medicare ONLINE enrollment website.

Please note, if you already have Part A, you can’t enroll online, you have to fill out a form OMB No. 0938-1230 !

Check out Medicare & You  and Benefits in the side panels for an introduction on what Parts A Hospital & B Doctor Visits cover.

See our page on How to sign up for Medicare?

Here’s the Social Security & Medicare ONLINE Enrollment and Benefit Calculator

Standard Premiums $134 for 2018 and if you have high income publication # 10536

Here’s the Late Enrollment & Premium Penalty Calculator if you don’t sign up when you are supposed to and don’t have a valid exemption – reason.

General Enrollment Period (GEP)

Medicare beneficiaries who did not enroll in Part B when they first became eligible for Medicare may elect Part B coverage during the General Enrollment Period, which extends from January 1 through March 31 each year.  Enrollment becomes effective on July 1 of the same year.  medicareadvocacy.org/ Medicare & You

Anthem Medicare Supplement

Anthem Medicare Supplement - Get Quotes, Information and ONLINE Enrollment - No extra charge for our help

Medicare and You 2020 #10050  
Everything you want to know 

Medicare and you

Different Parts of Medicare 

A = Hospital
B = Doctor Visits - Out Patient
C = Medicare Advantage or Medi Gap
D = Part D Rx

Video

Understanding your Medicare Choices
Medi Gap vs Medicare Advantage

Topics

How to sign up for Parts A & B
Is  your test, service, or item covered?
Original Medicare Parts A & B
Medicare Advantage Plans & Part D Rx
Supplement Insurance (Medigap)
Low Income Help  LIS
Definitions


Don't like computers?
Prefer a printed version be mailed to you?
Audio MP 3

Use our scheduler to Set a phone, Skype or Face to Face meeting
Intake Form - We can better prepare for the meeting

Blue Shield Authorized Agent
No extra charge to you -
Click to learn more and enroll online

blue.shield.logo.

Paper Application 65 Insipre, Plus, Choice & Trio
Medi Gap 

Click here to set a phone, skype or face to face complementary consultation

Get Plan Documents 
Be sure though to use THIS link to enroll, so we get paid for helping you!

15 comments on “Part B – Doctors – How to sign up – Benefits

    • How can I pay my Part B premium?

      If you get Social Security or Railroad Retirement Board (RRB) benefits, your Medicare Part B (Medical Insurance) premium will be deducted from your benefit payment.

      If you’re a federal retiree with an annuity from OPM and not entitled to RRB or SSA benefits, you may request to have your Part B premiums deducted from your annuity. Call 1-800-MEDICARE (1-800-633-4227) to make your request. TTY users can call 1-877-486-2048.

      If you don’t get these benefit payments, you’ll get a bill. If you choose to buy Medicare Part A (Hospital Insurance), you’ll always get a bill for your premium. There are 4 ways to pay these bills:

      1. Pay by check or money order. Write your Medicare Number on your payment, and mail it with your payment coupon to:
      Medicare Premium Collection Center P.O. Box 790355 St. Louis, MO 63179-0355

      2. Pay by credit/debit card. To do this, complete the bottom portion of the payment coupon on your Medicare Premium Bill, and mail it to the address above. Payments submitted without the bottom portion of the payment coupon may not be processed.

      3. Sign up for Medicare Easy Pay. This is a free service that automatically deducts your premium payments from your savings or checking account each month. Visit Medicare.gov or call 1-800-MEDICARE and to find out how to sign up.

      4. Make an online bill payment. This is a more secure and faster way to make your payment without sending your personal information in the mail. Ask your financial institution if it allows customers to pay bills online. Not all financial institutions offer this service and some may charge a fee. You’ll need to give your financial institution this information:

      • Account number: This is your Medicare Number. It’s important that you use the exact number on your red, white, and blue Medicare card, but without the dashes.
      • Biller name: CMS Medicare Insurance
      • Remittance address:
      Medicare Premium Collection Center P.O. Box 790355 St. Louis, MO 63179-0355

      Note to RRB Annuitants: If you get a bill from the RRB, mail your premium payments to:
      RRB Medicare Premium Payments P.O. Box 979024 St. Louis, MO 63197-9000

      If you have questions about your premiums or need to change your address on your bill, call Social Security at 1-800-772-1213. TTY users can call 1-800-325-0778. If your bills are from the RRB, call 1-877-772-5772. TTY users can call 1-312-751-4701.

      If you’d like more information about paying your Medicare premiums, visit Medicare.gov to view the brochure “Understanding the Medicare Premium Bill Form (CMS-500).”

      If you need help paying your Part B premium, see pages 86–88.

      Copied from Page 23 https://www.medicare.gov/sites/default/files/2018-09/10050-medicare-and-you.pdf

      • What if you don’t pay or are late on paying your Medicare Advantage (Part C) or Part D Rx premiums?

            • https://www.cms.gov/Regulations-and-Guidance/Guidance/Manuals/downloads/clm104c29.pdf

              240.2 – Conditions and Examples That May Establish Good Cause for Late Filing by Beneficiaries

              Good cause may be found when the record clearly shows, or the beneficiary alleges, that the delay in filing was due to one of the following:

              Circumstances beyond the beneficiary’s control, including mental or physical impairment (e.g., disability, extended illness) or significant communication difficulties;
              • Incorrect or incomplete information about the subject claim and/or appeal was furnished by official sources (CMS, the contractor, or the Social Security Administration) to the beneficiary (e.g., a party is not notified of her appeal rights or a party receives inaccurate information regarding a filing deadline);

              NOTE: Whenever a beneficiary is not notified of his/her appeal rights or of the time limits for filing, good cause must be found.

              • Delay resulting from efforts by the beneficiary to secure supporting evidence, where the beneficiary did not realize that the evidence could be submitted after filing the request;
              • When destruction of or other damage to the beneficiary’s records was responsible for the delay in filing (e.g., a fire, natural disaster);
              • Unusual or unavoidable circumstances, the nature of which demonstrates that the beneficiary could not reasonably be expected to have been aware of the need to file timely;
              Serious illness which prevented the party from contacting the contractor in person, in writing, or through a friend, relative, or other person;
              • A death or serious illness in his or her immediate family;
              • A request was sent to a Government agency in good faith within the time limit, and the request did not reach the appropriate contractor until after the time period to file a request expired; or
              • Delay due to additional time required to produce the beneficiary’s Medicare documents (such as an MSN) in an accessible format (e.g., large print, Braille, etc.);
              • Delay as the result of an individual having sought and received help from an auxiliary resource (such as a SHIP or senior center), due to his or her disability, in order to be able to file the appeal.

              Following are examples of cases where good cause for late filing is found. This list is illustrative only and not all-inclusive:

              • Beneficiary was hospitalized and extremely ill, causing a delay in filing;
              • Beneficiary is deceased. Her husband, as representative of the beneficiary’s estate, died during the appeals filing period. Request was then filed late by the deceased husband’s executor;
              • The denial notice sent to the beneficiary did not specify the time limit for filing for the redetermination; and
              • The request was received after, but close to, the last day to file, and the beneficiary claims that the request was submitted timely.

              42 CFR § 478.22 – Good cause for late filing of a request for a reconsideration or hearing.

              Our Medicare Appeals Page

              CMS FAQ’s Technical on the process

              I don’t like to cite non official sources, but here’s Q1Medicare

  1. I currently have a good group health care plan and will be retiring. I will retire about 6 months before I turn age 65. I plan on extending my current plan through COBRA for the 6 months between retirement and age 65. At age 65 I will enroll in Medicare part B, D etc.

    My question is:

    When I turn 65, will I be have different and potentially better part B choices because I am on a high quality group PPO plan at age 65 (not a covered California, conversion or HIPPA plan).

    Could my part B policy potentially be different, especially a higher quality part B plan, if I am enrolled in a high quality group plan when I turn age 65 (in terms of benefits and provider access)?

    Or does it not matter, everyone is in the same pool and all choices are available to everyone, regardless of whether or not you were on a group plan?

    • Part B Doctor Visits is exactly the same for everyone. To get the “best” greatest selection of MD and providers you would want to sign up for a Medi Gap plan. Plan F has the most comprehensive benefits. This would be most similar to PPO and not the restrictive provider lists in a Medicare Advantage Plan (MAPD). MAPD though generally has zero premium.

      If you are thinking of keeping your COBRA beyond age 65 and not getting Part B, that won’t work, see Medicare Publication 11036 Enrolling in A & B page 13.

      See link above to use our Blue Cross and Blue Shield affiliate sites to view benefits, pricing and enroll online. We also have tons of detail on each page in our website.

  2. Where and how do I shop all the Insurance Companies to get the best coverage and premium for Part B Doctor Visits?

  3. Hello Steve

    I have a question I hope you can answer.

    1. My father has only Medicare Part A [hospitalization] combined with VA healthcare benefits. he did not enroll in Part B [doctor visits] when first eligible because of VA benift among other factors.

    2. In November he received a letter from orange county social services that he was eligble for medicaid [Medi-Cal in CA] and that he was also eligible for Medicare QMB [Qualified Medicare Beneficiary] effective November 1, 2015

    3. I was told by railroad retirement board that despite his eligibility for QMB that he can not elect immediate enrollmet with a November 1, 2015 retroactive date. That he can enroll now through the open enrollment period but must wait until July 1 to begin benefits.

    4. I read somewhere online that Part B enrollment becomes effective the same day as QMB eligibility.
    http://www.medicarerights.org/fliers/Part-B-Enrollment/Using-MSPs-to-Enroll-in-Part-B.pdf?nrd=1

    Do you have knowlege on this matter?

    • 4. Thank you SO MUCH for including a link to Medicare Rights.org. They are talking about automatic enrollment in Part B, IF one enrolls in a Medicare Savings Program, which includes QMB’s. Which it sounds like you are doing with Orange County Social Services. So, it sounds to me like you are OK. Apply and see what happens. Here’s the link or have Social Services help you. According to your reference on Medicare Rights.org enrollment is automatic when you are approved for the QMB.

      3. Normally what you heard from the Railroad Retirement Board is correct. Having VA coverage is not employement based coverage that would give you a special enrollment period, as mentioned in Medicare and You page 26. They are talking about the General Enrollment Period page 25 where one can sign up January 1 to March 31 and be effective in July. There might even be a financial penalty for late enrollment.

      Be sure to read the entire page from CA Health Care Advocates on this subject. They know what they are talking about! See also our page on Cal Medi Connect. Check back with us in a few weeks and we will know more as we will be attending a Blue Cross seminar on Medicare Advantage Plans for those on Medi-Cal on the 17th.

Leave a Reply

Your email address will not be published.

wp-puzzle.com logo