By 2030, all Baby boomers will be age 65 or older. Florida being the retirement state we are Here 4U with Medicare Enrollment help!
You will get a lot of information about healthcare when you turn 65 years old. Healthcare should be top of your list during this time as you have an Initial enrollment Period (IEP), which starts three months before your sixty fifth, the month of your 65th birthday and three months following.
Most people turning 65 will become eligible for Medicare. There’s a different process when you are collecting retirement benefits verses signing up during your Initial Enrollment Period.
Enrolling in Medicare Part A and Part B
You can become automatically enrolled in Medicare Part A and Part B. If you receive Railroad retirement benefits or Social Security retirement benefits. However, if you do not receive either of these, you’ll need to enroll yourself in to Medicare. Keep in mind that you will not need to contact Medicare if you’re eligible for automatic enrollment. You may become eligible if you are receiving Railroad retirement benefits or Social Security benefits.
About three months before your coverage starts, your Medicare card should arrive in the mail and will come from the Social Security Administration (SSA) or the Railroad Retirement Board. With your new card, you’ll receive a letter. This letter will not only explaining your automatic enrollment in Medicare Part A and Part B. It also provides an overview of how Medicare works.
You might not elect to register for Part B if you’re currently under insurance through your spouse’s employer insurance (Employment-Based Insurance). If you’re currently not covered under what is considered qualified medical insurance and you turn down part B you may receive a premium penalty. The premium penalty can be applied should you ever enroll in Part B down the road in the future.
Errors do happen. So always protect yourself from receiving premium penalties by keeping proof of your enrollment. Always write down the representative’s name and date of who you spoke with. If you elect to enroll by mail you should always use certified mail and always keep a return receipt.
Things to note from this write-up
- You have a total of seven months to sign-up for Medicare
- You can sign-up for Medicare by mail or online
- Signing up on time or you may get penalized
- Even if you already have health coverage, you can sign-up for Medicare.
Medicare does change their policies from time-to-time. So please double check this information when enrolling with Medicare.
Here 4U With Medicare Enrollment Help
Call our office if you have questions or concerns
Here 4U Insurance 615-881-3778 or by Email
