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Medicare and Turning 65

The time has come. You are turning 65 years old. It is an exciting time in a person’s life, with a lot of changes. With those changes comes a lot of responsibilities and things about which you should be aware. Not the least of which is your healthcare and selecting the right Medicare plan for you. As you age, it is important that you are covered in the best way possible. With a variety of different plans such as Medicare Part A, B, C, and D, there is a plan for everyone.

When is a person eligible to sign up for Medicare for the first time?

There is a 7-month initial Enrollment Period surrounding your 65th birthday in which you can sign up for Medicare Part A and/or B. During this 7-month period you can enroll 3 months before you turn 65, the month you turn 65, or the 3 months after you turn 65. For instance, if your birthday is on March 14th, the enrollment date stretching back 3 months before would be starting December 14th. It would last until June 14th (3 months after your March 14th birthdate). So, you would be able to enroll for the first time from December 14th through June 14th.

Medicare and Turning 65

Several insurance companies and service areas may offer Medicare Advantage plans with premiums as low as $0; however, you still need to pay your Medicare Part B premium.

Are you able to stay on your current medical plan or do you have to sign up for Medicare?

If you are still working, you are able to stay on your employer’s health plan until you retire. However, if you are not receiving benefits from Social Security within 4 months of turning 65, you may have to sign up with Social Security to receive Medicare Parts A and B. These scenarios will depend on the size of the employer. Late enrollment can result in higher premiums if you do not sign up when you are first eligible.

How do you register for Medicare Part A?

If you have turned 65, you are most likely eligible for Medicare Part A. Part A covers inpatient hospitals, skilled nursing facilities, hospice, home health care, and hospital services that include medically necessary services and equipment to treat your condition.

You are able to sign up for Part A during the General Enrollment Period which is from January 1 to March 31 of each year. Medicare is managed by the Centers for Medicare and Medicaid Services. Both the CMS and Social Security work closely together when it comes to enrolling people in Medicare. You can sign up at your local Social Security Office or apply online. This is just as long as you:

  1. Did not sign up when you were first eligible
  2. You are not eligible for the Special Enrollment Period
If you do not have Medicare Part A, you must contact your local Social Security office.

Medicare and Turning 65

How do you register for Medicare Part B?

Medicare Part B is for medically necessary outpatient services. It covers doctor visits, medical equipment, lab tests, ambulance services, mental health care and preventative services.

Enrolling in Medicare Part B is similar to Part A. You are able to enroll from January 1 to March 31 and can apply online or at your local Social Security office. Part B is different in that you have to pay a monthly premium for as long as you have Part B. Unlike Part A, not everyone is eligible for Part B.

Do you have to be enrolled in Medicare Part A and B to be eligible for a Medicare Advantage Plan (Part C)?

If you enroll in a Medicare Advantage plan, you will still have Medicare Part A and B. However, your new plan may be able to cover healthcare services that Medicare Part A and Part B do not. Depending on the city, county and state in which you reside, as well as your income level, you may be able to get a Medicare Advantage plan with a $0 Premium, $0 copay, or other help with your Medicare Advantage plan costs. To find out if you qualify, call one of our licensed agents at 800-991-4407. They can walk you through the Medicare plan options in your area.

What are Medicare Supplement Plans?

Medicare Supplement Plans, also known as Part C, are offered by private insurance companies. When joining an Advantage plan, the plan will provide Medicare Part A (hospital insurance) and Medicare B (medical insurance) coverage.

What are the benefits of a Medicare Advantage Plan (Part C)?

There are a handful of pros when it comes to Medicare Advantage Plans. For instance, various insurance carries offer lower premiums, smaller copays, and lower deductibles. Many plans also include prescription drug benefits. Lastly, a Medicare Advantage plan gives you the opportunity to conveniently have Medicare Part A, B and D (Medicare Drug) coverage.

Medicare and Turning 65

If you or someone you know is turning 65 this year, it is important to know that there are plenty of affordable options when it comes to Medicare plans. easyMedicare.com is owned and operated by e-TeleQuote Insurance, Inc., which is an independent digital insurance agency that gives you a fast, easy, money-saving way to buy Medicare insurance from the comfort of your own home or business. Our licensed insurance agents can search a variety of plans available in your geographic area to help you find the plan that is right for you. Our agents are available Monday-Friday from 10am to 8pm EST to help you with you Medicare Advantage plan options. Call 800-991-4407 today!