Routines help keep us focused, organized, and even healthy. However, if your health routine doesn’t include preparing for Medicare’s Open Enrollment, now’s the time to kick-start a new healthy habit.
If you have a Medicare health or prescription drug plan, you should review and compare coverage options. The Open Enrollment runs through December 7 and is the time you can make changes to your plan. Even if you’re happy with your current coverage, you might find a better fit for your budget or your health needs. If you miss an Open Enrollment deadline, you’ll most likely have to wait a full year before you can change your plan.
Here are five things every Medicare beneficiary can do to get in the Medicare Open Enrollment routine.
- Review your plan notice. Be sure to read any notices from your Medicare plan about changes for next year, especially your “Annual Notice of Change” letter. Look at your plan’s information to make sure your drugs are still covered and your doctors are still in network.
- Think about what matters most to you. Medicare health and drug plans change each year and so can your health needs. Do you need a new primary care doctor? Does your network include the specialist you want for an upcoming surgery? Does your current plan cover your new medications? Does another plan offer the same value at a lower cost? Take stock of your health status and determine if you need to make a change.
- Find out if you qualify for help paying for your Medicare. Learn about programs in your state to help with the costs of Medicare premiums, your Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) deductibles, coinsurance and co-payments, and Medicare prescription drug coverage costs. Visit Medicare.gov or make an appointment with a local State Health Insurance Assistance Program (SHIP) counselor if you need help.
- Shop for plans that meet your needs and fit your budget. You can use the Medicare Plan Finder tool to see what other plans are offered in your area. A new plan may:
- Cost less;
- Cover your drugs costs; or
- Let you use the providers you want, like your doctor or pharmacy.
If you find that your current coverage still meets your needs, then you don’t need to make any changes. Remember, during Medicare Open Enrollment, you can decide to stay in Original Medicare or join a Medicare Advantage Plan. If you’re already in a Medicare Advantage Plan, you can switch back to Original Medicare.
- Check your plan’s star rating before you enroll. The Medicare Plan Finder includes Star Ratings for the 2016 Medicare health and prescription drug plans. Plans are rated for quality on a one- to five-star scale: one star represents poor performance and five stars represent excellent performance. Be sure to use the ratings to compare the quality of any health and drug plans you are considering.
These are a few easy ways to get a jump-start on your Medicare Open Enrollment. For more information, call 1-800-MEDICARE (1-800-633-4227) and say “Agent.” TTY users should call 1-877-486-2048. Help is available 24 hours a day, including weekends. If you need help in a language other than English or Spanish, let the customer service representative know the language. You can also visit a local SHIP counselor. SHIP counselors provide free, one-on-one, non-biased Medicare assistance. Get free personalized health insurance counseling by calling your SHIP at the number listed on the Medicare contacts page or call 1-800-MEDICARE.
Could someone tell me why we are not offered more dental than “upkeep?”
Because “Medicare’ is not well informed about the importance of dental care to wellness? Perhaps, the Medicare officials need to update themselves on more areas to keep us healthy rather than treating us after the Medicare system failed us.
Hi Phyllis, I have not followed through but I did read that we can apply for “real” Dental insurance to Delta Dental. This is the Dental plan I have had for years as an Employer provided plan and through Obamacare. It is not too expensive. I believe it was $49 a month under Obamacare. This is my first month on Medicare.
I have Medicare part A only, and that’s all I want to have for next year also, because I have employer sponsored health insurance. Do I need to re-enroll or do anything? I think re-enrollment is for those who are making change. Am I right?
If all you want is your Part A, you do not have to do anything. Open Enrollment is for people with Part D drug insurance and Part C Medicare Advantage health plans
Most employers have poiicles that allow for you to add spouses and children to your plan but will most likley ask you to contribute to the premium.These poiicles are usually outlined in your employee handbook and if you don’t have one, the HR department or your boss should be able to easily answer your questions. It’s a home human resources issue that comes up frequently.References : personal experience.
This “open Enrollment” is for people who don’t have health coverage. Medicare isn’t part of the Health Insurance Marketplace, so if you have Medicare coverage combined with a job-based health insurance program and if you find that your current coverage still meets your needs, then you don’t need to make any changes. However, you should speak to your personnel office, health benefits advisor, or health plan to see what’s best for you. You can also visit http://www.Medicare.gov for more information. Generally, if you or your spouse are still working and you are covered under a group health plan based on that employment, you don’t need to file for Medicare part B until you or your spouse stops working or drops health care coverage. We hope this information helps!
I was told that if I am still working and have health insurance through my employer, then I don’t have to sign up for ANY Medicare, not Part A or any other even though I’m 65. Was that wrong?
I was told to sign up for Medicare Part A. It doesn’t cost anything. Medicare told me I needed to do that by age 65. I’m still working so that is the only medicare card I have.
Hi Fay, if you are actively working and covered under your employer’s group health insurance program, you can delay enrollment into Medicare Part B until you stop working or the health coverage is dropped. However, we suggest that individuals speak to their personnel office, health benefits advisor, or health plan to see what’s best for them, and to prevent any penalties or delayed enrollment in the future. To learn more about the Medicare enrollment periods visit http://www.Medicare.gov.
I would suggest that you contact them first, to find out IF, you need to re-enroll, in order to clarify your situation.
Yeah, that’s the tiketc, sir or ma’am
i am not sure that this pertains to me does anyone else have SSI by being Disabled before the age of 60?
I do I want yo know if I qualify for other benefits, I was told by the sso I didn’t qualify for any more benefitd
Hi Wayne, the Supplemental Security Income or SSI program is a needs-based program that pays benefits to disabled adults and children who have limited income and resources. SSI benefits are also payable to aged people (65 and older) who have limited income and resources.
Yes I do social security clerk told me that if I didn’t take now that if my illnesses become worse an needed more medications an I reapply like two or three years from now I was gona be penalized 10 percent each year for not taking it when it the first year it was offered to me ir I could wait til I was 65 do I took now so I dint get penalized but I think it depends on your health to buy the state will help with the social security premium that you pay each month that comes out of your benefits that what I’m working on now
How can I change my address and get a new social security card if I can’t get to the local office. I’m100% disabled and have no one to take me there. Could you please let me know. Thank you.
sign in to the social security website and ask for a new card also to change your address. You need to have a web account on the site to do that.
Hello Steve, if you are receiving Social Security benefits, you can create a my Social Security account to change your address online first. If you are receiving SSI, you must report the new address to your local Social Security office. If you are not yet receiving benefits, you don’t need to change your address with us at this time.
If you need a replacement Social Security card, you can mail the application and required documents to your local office. Please visit our “New or Replacement Social Security Number and Card” web page, to learn more on the process and what documents you will need to get a card. Please make sure that you use your new address in your application for a replacement Social Security card.
You can also call our toll free number at 1-800-772-1213 (TTY 1-800-325-0778) for further assistance. Representatives are available Monday through Friday between 7:00a.m. and 7:00p.m. Generally, you’ll have a shorter wait time if you call later in the week. Hope this information helps!
Yeah that’s what I’m talking about ba-icbny-e work!
Do you have a homecare person? If so, ask them to assist you at getting transportation to get to the S.S. office. We ALL, have a right to transportation and you should have extra rights because you are totally disabled!
As Medicare recipients gahter information for the November 15 enrollment date, I recommend PlanPrescriber.com for help with finding the Medicare health plan options in your zip code and doing a plan comparison of benefits. You will also be able to determine whether your current doctor accepts a plan you are considering.
I would like the Social Security people and advertisers to distinguish between the government Medicare program and private Medicare Supplemental insurance policies. Apparently, there are multiple choices under multiple choices. One word, “supplemental”, would make it more clear to the aged population. “Medicare Advantage” means nothing to me. Thank you.
I need a work history and jobs you have listed for me , i need it for my State pensión i belive they did not count My national guard time ,and other jobs.
To obtain a “Detailed Earnings Information” record, you must complete and mail a request (Form SSA-7050-F4) to the address provided in the form. You can also create a my Social security account to review your earnings record. For more information, you can call our toll free number at 1-800-772-1213. Representatives are available Monday through Friday between 7:00a.m. and 7:00p.m. We hope this information helps!
Good morning.
I am concerned with the Medicare Card Number, that its the number of our social security. It is necessary to change this identification cards for another more safe, and without this secret number. The card need more security, against the thief of identity.
Thank you so much for your time.
Pierre Millet
Cuban lawyer
U.S. citizen
I was disabled senior citizen and i had heart attack/stroke in 20004.My company paid disabilities for two years and stopped afterwards. How can i get social securities indefinitely. Do i need a lawyer to process my disability with social security? I am permanently disabled on job and now retired by my company on disability.Will i get a social security as i am getting at present.
Unfortunately, your questions are a bit more complex than we can handle in this blog. Please call our toll free number at 1-800-772-1213 from 7 a.m. to 7 p.m. Monday through Friday or visit your local Social Security office.
It never hurt to contact a S.S. attorney. Try and watch for the commercials on tv and get their number OR have someone GOOGLE S.S. attornies numbers for you.
My wife Lourdes Virginia Wallis and my self are presently covert by Medicare. We were just declared not eligible for SSI and got immediately a letter from AHCA indicating that our Medic Aid would stop unless justifying and declare eligible by DCF. It is urgent to define what our situation is.
We are appealing to SSA formally . We did it personally and did not work.
The date expiration is today. Can I get an extension?
Winston and Lourdes Wallis (7902) (1719)
Unfortunately, your question is a bit more complex than we can handle in this forum. For your security, we do not have access to information about your account in this venue. Please call our toll-free number at 1-800-772-1213 for assistance. Representatives are available Monday through Friday, between 7 a.m. and 7 p.m.
I’m on SSD with government helping with my ins. payment for parts A & B. I also have part D for my medicines. I’m wondering if all this works for me, do I need to have a supplemental ins.? Does that just help for part C? Or does it help with the 20% that is not converted? I have Share of Cost with Medicaid but it’s $1,669.00 every month! My check wouldn’t even cover this! How can I be approved for SSD with all this other help but have a ridiculous amount with the State???? Pls. help me, do I just need a supplemental ins? Thanks
kori, are you ON MEDICARE?
if yes, look into HUMANA PPO; current deductions are $47.00/month plus HUMANA gets what SS pays for medicare.
they’ve done a good job in the 3-4 years we;ve had it.
bcbs we were paying $1200/month then it went up another $500/month to $1700 !!
highway robbery; glad we got RID OF BCBS.
there are others out there that will pay.
i end up in the DONUT hole due to all my meds especially the expensive bydureon injecton shots for my diabetis.
good luck.
bettyg, iowa
went from ssdi to RETIRED when i turned 66
I am happy with my 2015 coverage. Will that automatically renew for 2016 or must I do something more. I have reviewed all the recommended steps
Hi George! Please contact Medicare directly at 1-800-633-4227 to discuss your question.
As retired USAF, I’ve had Medicare A & B for several years, plus Trycare-for-life. I’ve had several mild strokes and open-heart surgery and everything was covered-and-paid-for.
Is there anything I need to do in order to keep my total coverage?
I’m also retired military. I have Medicare(primary) and Tricare for life(secondary). Does open enrollment apply to me if I’m happy with what I have?
Hello Mel, if you have Medicare coverage combined with another health insurance program and if you find that your current coverage still meets your needs, then you don’t need to make any changes. You should always check with your health benefits advisor, or health plan representative to see what’s best for you. You can also visit http://www.Medicare.gov for more information.
Hello Dean, if you have Medicare coverage combined with another health insurance program and if you find that your current coverage still meets your needs, then you don’t need to make any changes. You should always check with your health benefits advisor, or health plan representative to see what’s best for you. You can also visit http://www.Medicare.gov for more information.
I am 65 years old. I’ll be 66 in December. I get retirement benefits via Social Security. I have Medicare parts A & B. Also, Part D. I need additional coverage. The older I get, the more I need doctor’s care. Sometimes, I pay a co-pay, sometimes I need to consult specialist. Should I get additional coverage for specialist ?
Hi Marion. You should contact Medicare directly at 1-800-633-4227 to discuss your question.
Hello, if you have Medicare coverage combined with another health insurance program and if you find that your current coverage still meets your needs, then you don’t need to make any changes. You should always check with your health benefits advisor, or health plan representative to see what’s best for you. You can also visit http://www.Medicare.gov for more information.
can someone help me to opt out of medicare. i live in mexico full time and is not feasible fo rme ane time soon
Thank you for using our blog Carlos. In order to terminate or opt out of Medicare part B, a signed request for termination and a personal interview are required. Medicare generally does not cover health care while you are outside of the United States, but you may still want to discuss your options. Please contact your local U. S. Embassy or Consulate for assistance.
My husband had very severe stroke and He is now in wheelchair , He lost part of his movements and he is not able to walk , He is losing his mind .. He was paying Medicare premium part A -B once a year . last payment was (596.40 ) . Can you pleas to help me to find if He needs to continuo paying his premium ensurance and how much is for next year, and when we have to pay and where. Thank you.. Ofelia Lawrence
Hi Ofelia, we are sorry to hear about your husband’s medical condition. First of all, it sounds like your husband will need help managing his Social Security benefits. If you or another relative are interested in applying to become your husband’s representative payee, you will need to contact your local office for a face-to-face interview. As a representative payee, you will be able to talk with us and have access to your husband’s records. In the future, it will make it easier for you to update his account information. We understand how inconvenient this may be, but we hope that you understand our role in protecting everyone’s personal information. If you have specific questions, or to make an appointment, please call 1-800-772-1213 (TTY 1-800-325-0778) between 7 a.m. to 7 p.m. to speak to one of our representatives. Generally, you’ll have a shorter wait time if you call later in the week.
I will be 65 years old on Dec. 19, 2015, and of course I will have the Medicare coming already at the beginning of December. I guess I will have $104.90 from my social security. I also guess that the $104.90 will be every month from Medicare. Please give me a day where I can go to Social Security in Show Low ,AZ.
Thank you, Christa Lemons
Congratulations on your upcoming 65th birthday Christa! If you receive Social Security benefits, we will automatically deduct the Medicare Part B premium from your monthly payments. Please read our publication about Medicare benefits for more information.
I am delaying my SS 9 month. Is it possible not to enrolled in Medicare part A and B? I have born in Aug.1950. I am still working for large company and getting insurance coverage thru my Employer for myself and spouse. I have not enrolled in Medicare PART A and B at all. I have not applied social security benefit up till now. My spouse born in Jan 1957. She did not work at all. I am contributing in HSA plan thru my employer.
My question is if I apply for SS in Feb. 2017. Do I have option to start my benefit 6 month delay benefit or restorative benefit from last 6 month? In delay benefit option when my Medicare starts. I don’t want six month back start my Medicare. I want to avoid any penalty since I am contributing in HSA at the same time Medicare enrolled. I heard that as soon as you enrolled in SS benefit Medicare kick back up to 6 month
Hi Shashi, we generally allow up to six months of retro-activity payments for retirement benefits, only after the applicant has reached his or her full retirement age. No retroactive benefits are payable for any month before individuals reach their full retirement age. As for Medicare, If you are 65 or older and not ready to start your monthly cash benefits yet, you can use our online retirement application to sign up for Medicare Part A ONLY and apply for your retirement benefits later. If you are actively working and covered under your employer’s group health insurance program, you can delay enrollment into Medicare Part B until you stop working or the health coverage is dropped. However, we always suggest that individuals speak to their personnel office, health benefits advisor, or health plan coordinator to see what’s best for them, and to prevent any penalties or delayed enrollment in the future. To learn more about the Medicare enrollment periods visit http://www.Medicare.gov.
I did a lot of passwords and username to get to the Social Security on the computer, but I cannot go there now.
Hello Christa! If you are having difficulties with your personal my Social Security account, please call 1-800-772-1213 for assistance. After you hear “Briefly tell me why you are calling,” say “Help Desk” for help with a my Social Security account. Sometimes, it might be best to visit your local Social Security office for further assistance.
You’ve magenad a first class post
I just found out today that my Medicare Part B was cancelled. I am in Texas for cancer surgery, something I can’t put off while officials are dealing with whatever red tape caused this debacle. I mailed off my Part B Medicare payment over 10 days ago (something I have to do myself until social security finally starts sending me survivor benefits that I have been trying to get for months now, at which time I can just have it taken out of my social security check).
In the meantime, what am I supposed to do? I was on the phone
all day today with Medicare, United Health, and Social Security trying to get this mess straightened out. SS and Medicare both had their systems down, so they could not even check to see if and when my payment posted.
Looks as if I will have to pay for my entire surgery out of pocket. I can’t afford to put it off.
Any advice out there?
Elizabeth
We are sorry to hear about your situation, Elizabeth. Unfortunately, we will need some processing time to reinstate your Medicare benefits after we receive your payment in the mail. Please continue to work with your local office, and if necessary, ask to speak with the manager to see how we can help to expedite your request. If you are unable to visit the local office, you can call our toll free number at 1-800-772-1213 (TTY 1-800-325-0778. Representatives are available Monday through Friday between 7:00a.m. and 7:00p.m. Generally, you will have a shorter wait time if you call later in the week.
Hello, Iam really frustrated about the A&B premiums payment each month, I am unemployed and really aren’t getting enough in Social Security
payment each month,I will be 65 in Dec. and got to
pay the premiums.Can’t afford anything else.Could we get an increase on the benefits? This will help a
whole lot. Thanks!
Clementine, we are sorry to hear of your difficulties. By law, there will be no Cost-Of-Living Adjustment (COLA) increase for Social Security beneficiaries in 2016. The following information may help: You may qualify for Supplemental Security Income (SSI) payments at age 65. SSI is a needs based program that gives cash assistance to people with limited income and resources who are age 65 or older, blind or disabled.. Please call us at 1-800-772-1213, Monday through Friday, between 7 a.m. to 7 p.m. for more information. Generally, you will have a shorter wait time if you call later in the week. Also, you may be eligible to receive social services from the state in which you live. Medicare enrollees who have limited income and resources may get help paying for their premiums and out-of-pocket medical expenses from Medicaid. Please call the Centers for Medicare & Medicaid Services at 1-800-633-4227 for more information.
Currently we have a medical advantage plan..have had a medical advantagr for ten years. Am considering a change to medicare and suppliment. Can I/ we do this? Qualifications?
Hi Gloria! You should contact Medicare directly at 1-800-633-4227 to discuss your question.
I’m a retired federal civil servant. This is my first year with Medicare and it has been a major disappointment due to the fact that I’m in the Mayo Health care system where Mayo Clinic primary care doctors have opted out. I had excellent federal health insurance before I retired. Now that it’s secondary to Medicare it’s nearly worthless, even though I still paying the full cost for my premiums. Question 1, can I opt out of medicare and have my federal insurer become my primary again or am I forced to be in medicare? Question 2, can I opt out of Medicare part B and have my federal insurer become my primary insurer again? Question 3, If I opt out of medicare do I lose my modest “just enough to cover my medicare premium” social security benefits?
Hello Ms. Miller, please contact Medicare directly at 1-800-633-4227 to discuss your questions.
Thank you for a very insightful and easy to understand post about important issues. I am looking forward to your next posts. Regards, Andrew
Thank you Andrew! for taking the time and communicating with us through our blog, we are glad you like it and appreciate your comments and feedback. Please continue using our online services and remember that even if you are not eligible for Social Security benefits at this time, you can create a my Social Security account to review your earnings record, and check for future benefits.
I just turn 65 in nov 2 2015..I only enrolled for part A medicare because I have Medical thru California County. I didn’t enroll for part B because I can’t afford 104.90 deduction out of my retirement benefit. Please advice thank you
Hi Yolanda! You may qualify for Supplemental Security Income (SSI) payments. SSI is a needs based program that gives cash assistance to people with limited income and resources, who are age 65 or older, blind or disabled.. Please call us at 1-800-772-1213, Monday through Friday, between 7 a.m. to 7 p.m. for more information. Also, you may be eligible to receive social services from the state in which you live. Medicare enrollees who have limited income and resources may get help paying for their premiums and out-of-pocket medical expenses from Medicaid. Please call the Centers for Medicare & Medicaid Services at 1-800-633-4227 for more information.
I will turn 65 on May 17, 2016. I have been receiving information for companies for “Medicare Supplement coverage”.
The information says “you have this One Enrollment Open Enrollment period in you life.” Medicare Supplement coverage of your choice without medical questions. Enrollment period expires December 07,2015. My question is, do I need to sign up for supplement insurance now or do I wait until I turn 65.
Please contact Medicare directly at 1-800-633-4227 to discuss your question.
Please send new Medicare Card,please!!
Good news Brenda! Now you can get a replacement Medicare card or immediate proof that you have Medicare by using your online my Social Security account. Hope this information helps!
Does the open enrollment deadline for changing the Part B primary care doctor apply to those who are on SSDI disability?
Hi Dale. Please contact Medicare directly at 1-800-633-4227 to discuss changes on your medical coverage.
Hello, I am 60 yrs. old, I have been on disability since 2010. Do I have to contact SS to keep taking my premiums out of my check ea month if I change carriers. Why cant middle class people get assistance for medical if they are between husbands making to much to get extra help. when the husband cant help the spouse because he has his own medical to pay because he is not disabled. please help me
Hi Janet, if you receive Social Security benefits, we will automatically deduct the Medicare Part B premium from your monthly payments. For information about changes in your medical coverage contact Medicare directly at 1-800-633-4227.
Doctors sign contracts with most MA plans. You sholud ask, Are my doctors in the network? And you might ask your doctor’s business manager/contract manager if the MA pan pays its bills on time.
Good morning. I am posting this on behalf of my husband who is receiving SSI disability benefits. The medicare Part B was declined because he is covered under my employer paid health insurance. We did what the letter said to decline Part B. He received a letter yesterday 12/2/15 stating that his benefits for December 2015 will begin in January 2016 with an amount being deducted that is the taxes withdrawn from his benefits monthly. So if the letter is correct he will not receive any benefits for the month of December? Can you explain this?
Why are so many people confused about the essentials of Obama Care? Shouldn’t there be closer workings with the overall Faith Community. And a clear revelation of the relationship between the Departments of Education and HHS in terms of what
can be done for poor stay-at-home parents who are in recovery rehabilitation?
Thanks for sharing. Your post is a useful coinbirutton.
How can I find out what my penalty will be for enrolling in Part D for the first time even though I was eligible to enroll apparently in 2006? Is there a website table I can look at? Is the fee a set amount or does it depend on income? Do I need to call someone? Thank you!
You can learn all about Medicare Part D and the late enrollment penalty, by contacting Medicare directly at 1-800-633-4227.
Hi there,
I am a SHIP counselor (State Health Insurance Assistance program) and my job is to help people navigate and understand their Medicare benefits. I am not reimbursed by insurance companies for the counseling and education I provide. I counsel folks on this stuff day in and day out. Rather than trying to do calculate the Part D premium penalty by hand, I use a special calculator hosted on the the website listed below. I honestly know nothing about who they are or what they do (insurance company I’d guess?), but their estimates are consistently correct. You can trust the numbers they provide you for your penalty.
http://www.waughagency.com/2013/11/medicare-part-d-penalty-calculator/
i will be 65 next apr.29, 2016. i am currently on social security disability and have been for 2 years in jan. when will i be able to receive medicare and what do i have to do to get it?
Alan,
You are eligible for Medicare after exactly 24 months of receiving SSDI checks. SSA calculates your two year waiting period based on the first month you actually received money, not the first month you were eligible. SSA will automatically sign you up. You don’t need to do anything. They will send you your Medicare card in the mail with a “Welcome packet” of information. If you don’t receive a Medicare card, that means you have a problem ( often the problem is that SSA doesn’t have the most current address for you) and you will need to call them and explain your situation. I have seen SSA send people Medicare cards as early as 6 months before their 65th birthday, or 24th month of receiving SSDI checks.
I have already applied for med part A but have insurance thru my employer. Now I need to get part B because I am going to retire in Jan. How do I do this?
At least in my state (Alaska) you HAVE to call social security. Some people can go online to SSA.gov. You could try that first and see if the website kicks you out. If it does, and it usually does, then you will have to visit your local ssa office or call them and request Part B under a special enrollment period. Make sure that if you are going to be eligible for any retiree health coverage that you contact your benefits administrator first to find out how your retiree coverage will work with medicare. You can also contact your local SHIP: https://www.medicare.gov/Contacts/#resources/ships
My husband will be 65 on Tuesday. He is already enrolled in part A and B through SS. He wants dental and prescription…. Here is the important part; He does not want the advantage program. HE WANTS TO KEEP ORIGINAL MEDICARE and get part d and dental separate. How does he do this? I found Florida Blue offers dental for $33. per month. Any suggestions on RX?
Go to the medicare plan finder to compare the prescription drug only plans in your area: https://www.medicare.gov/find-a-plan/questions/home.aspx.
Choose the “Personalized Search” for the most accurate and personalized information.
CMS also has a series of youtube videos which can explain and demonstrate how to use the tool : https://www.youtube.com/watch?v=4SCvgSZURBA
Alternatively, you can contact your state’s SHIP. I am a SHIP counselor in Alaska who randomly ran across this website and started providing answers. I am an unbiased Medicare specific insurance counselor. I am not reimbursed by insurance companies. I work for a little non-profit. Each state has a SHIP office with people just like me who are paid by the federal government to provide personalized Medicare Counseling and education. Follow the link below to select your state and find their SHIPs contact information:
https://www.medicare.gov/Contacts/#resources/ships
I will turn 66 on Dec. 19th and I am still working full time,will I be able to enroll in medicare and how do I go about it.
Very helpful information…thanks
We appreciate your feedback Richard! We are glad we can help. Please continue using our online services.
That’s cleared my thoughts. Thanks for cotintburing.
I never wanted to be enrolled in the SOCIALIST SECURITY SYSTEM ! If we all demand that the so called “HEALTH EDUCATION WELFARE EDUCATION SYSTEM “was closed down and we ordered that the GOV. pay the Citizens the money from those programs ,we would all have $ 70,000.oo to spend on health care, education, welfare, and that is just starters ….. it is by any definition a racket …! or people can continue to buy into DENEY ,DENEY ,appeal PAY LAWYERS for an entitlement ! If a private insurance company did what the gov does they would go to jail ….hum that might be worth thinking about ?! If you want to talk about revolution leave me out ,in this country we the people are the authority over the gov.
Do you have to get medicare if you get social security benefits?
Medicare and Social Security are two different programs. Medicare is our country’s health insurance program for people age 65 or older. If you already get Social Security retirement benefits, you can get Medicare at age 65. Also, you can receive Medicare benefits after receiving disability benefits for 24 months. If you don’t get Social Security benefits and you are not ready to apply for them yet, you can sign up for Medicare only, three months before your 65th birthday. Generally, you will be enrolled in Medicare Parts A and B automatically. However, because you must pay a premium for Part B coverage, you have the option of turning it down. For “More Medicare Information” read our publication Medicare. For specific questions about your situation, you can call 1-800-772-1213, Monday through Friday, between 7 a.m. and 7 p.m. and ask a representative to assist you. Generally, you’ll have a shorter wait time if you call later in the day or later in the week.
Great post ! I Appreciate the analysis – Does someone know if my assistant could possibly access a sample IRS 1040 – Schedule E example to fill out ?
Nice post! it sort out my confusion about selection of plan for myself. http://ow.ly/Y78Ns
I have been collecting SSDI for 24 months and received a notice today about a reduction in my monthly award do to medicare plan B. I still have medical coverage and dont need the medicare. If I decline the medicare can you explain what will happen with my current medical coverage.
Thank you for your question Ken. Individuals are automatically enrolled in Medicare Parts A and B after they receive disability benefits for 24 months. However, because you must pay a premium for Part B coverage, you do have the option of turning it down. A beneficiary may refuse Medicare Part B, during his or her Initial Enrollment Period, if that beneficiary or the spouse, actively works and has coverage under a group health plan based on that employment, then he or she doesn’t need Medicare part B until the work activity ends or that health care coverage is dropped. However, we always suggest that individuals speak to their personnel office, health benefits advisor, or health plan representative to see what’s best for them, and to prevent any penalties or delayed enrollment in the future. To learn more about the Medicare enrollment periods visit http://www.Medicare.gov. For specific questions about your case, call 1-800-772-1213, M-F between 7 a.m. and 7 p.m. and ask a representative to assist you, or you can contact your local office directly. Hope this helps!
Ray, Thanks for your response. I Have Aetna as my medical carrier under my retirement benefits do you think under my plan that if I’m offered Medicare that I would have to take it and how would my former company or Aetna know I was offered Medicare. Thanks, Ken
Everybody’s situation can be different Ken, your Aetna health-plan representative will be in a better position to answer your question. Also, the Centers for Medicare & Medicaid Services is the agency in charge of the Medicare program. You can read “How Medicare works with other insurance” or visit http://www.Medicare.gov. for more information. As a reminder, you may refuse Medicare Part B during your Initial Enrollment Period, if you are covered under a group health plan based on your or your spouse’s current employment.
For specific questions about your case, call 1-800-772-1213, M-F between 7 a.m. and 7 p.m. and ask a representative to assist you, or you can contact your local office directly.
I just need a simple answer to a simple question without having to sit on hold for 10 minutes on the phone. If my husband is supposed to get Medicare in July, is he supposed to get a card in April or May? Our postal carrier is constantly losing our mail. I have no idea if they have lost it or if it’s just not here yet. The only way we even know he’s getting coverage is because we just happened to see it on the Social Security website. We never signed up for it.
Hi Val. Individuals already receiving Social Security benefits, and becoming eligible for Medicare, will be automatically enrolled in Medicare Part A (Hospital Insurance) and Part B (Medical Insurance). Generally, the card comes in the mail within three months before the month these individuals become entitled to Medicare benefits. Your husband should receive his card at any time now, before the month of July. Beneficiaries with a my Social Security account, can get a replacement card if their original card is lost or destroyed. Please read our publication: Medicare for more information.
I am older than my husband and he is not on medicare yet. I have not work out side the home much so I applied an received medicare A & B under him. We could not afford part B so we had to drop it. How can I re instate part B.
Hi Pamela, based on the information you provided, and if you are not eligible for a Special Enrollment Period, you can sign up for Medicare Part B during the General Enrollment Period from January 1 to March 31 of each year. Click here to learn more about the Medicare enrollment periods. In addition, you can visit the Medicare website to learn about programs available to assist people with low income to pay for Medicare expenses. Many states also have programs to help with Medicare payments. You can find out about them by calling your State Medical Assistance Office. To get the local phone number, call the Centers for Medicare & Medicaid Services at 1-800-633-4227 (TTY, 1-877-486-2048). we hope this information helps.
Humana cancelled my supplemental Rx insurance (although they are still keeping my autopayment each month). Will I be penalized when I change to another provider during open enrollment?
Hello Gwyn. For questions regarding enrollment or choosing a prescription drug plan or Medicare Advantage plan with prescription drug coverage, please contact Medicare at http://www.medicare.gov or 1-800-MEDICARE. You can also obtain assistance through your State Health Insurance Assistance Program (SHIP). SHIP telephone contact information is on the back of the “Medicare & You” handbook or by going to http://www.medicare.gov/contacts/organization-search-criteria.aspx. Hope this helps.
I just started collecting benefits under ex-spouse. Not one person told me my Medicare card would change to my former spouse’s number with a B at end. When a pharmacist tried to input my Medicare card number it came back as INACTIVE – to my complete disappointment – tried calling Social Security – what a nightmare – I can’t be put on hold for hours at a time. Then just today I get a new Medicare with ex-spouse’s Medicare number – no explanation – just this is your Medicare card. I have to say this is very poor service – and left me not knowing why and thinking that somehow I was taken out of the system (a seemingly common error on Social SecurityMedicare- SHAME ON YOU!!!) As senior citizens we deserve better than something like this and full accountability and explanations – Not a surprise like this. I will be writing my legislators – Something like this should NEVER happen
i have been enrolled in part B for october 2016 and did NOT apply for it. I do not want part B at this time. how can i get removed from part B coverage???
Hi Mike. In order to voluntarily terminate or opt out of Medicare part B, a signed request for termination and a personal interview are required. To schedule your interview, call us at 1-800-772-1213 (TTY: 1-800-325-0778) Monday through Friday from 7:00 AM to 7:00 PM, or contact your nearest Social Security office. Thanks!
I’m not sure I’m in the right place but here goes…My husband is on disability. He has remained on my insurance so there was no need for Part B. He will turn 65 in February 2017. I just called to see about getting Part B and signing him up for Medicare Advantage only to be told he will have to serve a penalty because I retired in 2013. I wasn’t aware that he had to come off my insurance when I retired. I thought, mistakenly evidently, that he stayed on my insurance until he turned 65. He is a diabetic. He has heart issues. He suffered a broken back in August 2016 and is still in a brace. He spent 27 days in hospital from this accident and while there was diagnosed with dementia! I am totally at the end of my rope and don’t know what to do. My insurance says he has to drop to Medicare Advantage at age 65 which won’t pay anything that Medicare won’t pay for. If he doesn’t have Part B our ship is SUNK. What can I do? There has to be a solution to this.
Hi, Vicki. Your husband is actually entitled to a “new” Initial Enrollment Period (IEP) at age 65 for Medicare Part B. The IEP begins three months before his 65th birthday, includes the month he turn age 65, and ends three months after that birthday. If he already has Medicare Part A and needs Medicare Part B, he can complete form CMS 40-B, Application for Enrollment in Medicare – Part B (Medical Insurance), and take or mail it to his local Social Security office as soon as possible. To learn more about the Medicare Advantage Plans (Medicare Part C), please visit http://www.Medicare.gov. We hope this information helps.
I am widowed, 79 female. I have straight Medicare and have been happy with that, but I really need dental and vision coverage. I am a charity case at our local hospital but pay a $24 co-pay each time I see my family doctor. The girls in the office who do paperwork seem to think I should just stay the way I am. I am confused about all of these “advantage” programs, as it doesn’t look like there is much dental coverage. Please advise. Oklahoma resident.
Thanks for your question, Geneva. To learn more about Medicare Advantage Plans, please call 1-800-MEDICARE (1-800-633-4227) or visit http://www.medicare.gov. We hope this helps!