Some persons erroneously believe that the process of enrollment for Medicare when they turn 65 is going to be simple and straightforward. However, depending on the circumstances, this is usually not the case. For example, if you continue working, after turning 65, or if you have health insurance with your spouse, this can make the situation complicated.
Here are some things to keep in mind as you approach the age of 65 and you are wondering about the enrollment process of Medicare.
1. If you already receive pensions from social security, you will automatically receive a Medicare card via mail 3 months prior to when you turn 65 years. You will sign up to Part A of Medicare and for Part B of Medicare. If you do not want Part B, follow the instructions and return the card to Social Security.
2. When you are 65 and continue working, you will not automatically enroll in Medicare. If you want Medicare, you must contact the Social Security Administration to register.
3. You have a 7 month period to enroll for Medicare, starting 3 months before your birthday and 3 months after your birthday.
4. If you are still working and your company has more than 20 people in your workforce, you may not need Medicare B immediately. Contact the representative of your HR department for more information.
5. You need to enroll in Medicare Part B If you stop working and have a retirement plan from your employer.
6. Medicare A and B do not cover 100% of all services. Normally, you will need a Medicare Advantage plan or a Medicare supplement plan to cover some of the costs that are not covered by Medicare. Advantage Plans and Supplemental Plans are private insurance plans.
7. Medicare benefit plans are also called Medicare Part C. You can choose and enroll in a Medicare Advantage Plan if you qualify for Medicare. You can participate during the 7 month period that begins 3 months before your month of birth and 3 months after your month of birth.
8. You can also enroll in a Medicare supplement plan at the time of your Medicare partnership. You have a six-month period to enroll in a supplemental plan beginning on the month of your 65th birthday and/or if you qualify for Medicare Part B.
9. You must not have a Medicare Advantage Plan and an additional Medicare Plan at the same time. You have to choose one over the other.
10. Medicare Part D is the plan for prescribed drugs. You will not automatically enroll in a Medicare Part D plan. You will need to enroll with a Medicare Advantage Plan or, a separate plan that offers only Medicare Part D.
From the above, you can see that there is a lot to consider as you approach the age of eligibility for Medicare. For more information, contact the Department of Aging in your country.