Who is eligible for Medicare?

Generally, you are eligible for Medicare if you or your spouse worked for at least 10 years in Medicare-covered employment, and you are 65 years old and a citizen or permanent resident of the United States.

If you are not 65, you might also qualify for coverage if you have a disability or with End-Stage Renal Disease (permanent kidney failure requiring dialysis or transplant).

Here are some simple guidelines. You can get Part A at age 65 without having to pay premiums if:

You already get retirement benefits from Social Security or the Railroad Retirement Board.
You are eligible to get Social Security or Railroad benefits but have not yet filed for them.
You or your spouse had Medicare-covered government employment.

If you are under 65, you can get Part A without having to pay premiums if:

You have received Social Security or Railroad Retirement
Board disability benefits for 24 months. You are a kidney dialysis or kidney transplant patient.

While you don’t have to pay a premium for Part A if you meet one of those conditions, you must pay for Part B if you want it. It is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you don’t get any of the above payments, Medicare sends you a bill for your Part B premium every 3 months.

The journey through Medicare

TURNING 65? HAPPY BIRTHDAY TO YOU and may the year ahead be abundant

You have 3 months prior to your 65th birthday until 3 months after your birthday to elect Medicare A & B. Some things to consider if you have a group plan, you can elect just Part A and wait until your group plan ends to elect Part B (saving the part B premium). Be sure your group prescription plan is considered creditable coverage to avoid any penalties later on for not electing Medicare Part D!

Applying for Medicare Part A and Part B is your most important step! You can apply by visiting your local Social Security office (which I am not a fan of doing). You can call Social Security at 1-800-772-1213 (TTY: 1-800-325-0778) or the Fastest and easiest way is to click the link below and complete the process online! It would be my pleasure to schedule a visit or call to walk through the process together!

Social Security live link for online submission

When will Medicare become effective

TURNING 65? HAPPY BIRTHDAY TO YOU and may the year ahead be abundant

You Medicare Coverage will become effective on the 1st of Month of your birth Month! So, if you are born 12/15 your effective date will be 12/1! If you are born on the 1st, such as 12/1 your coverage will be effective 11/1!

Apply for Medicare within the 3 months before turning 65 to ensure your effective date will be the 1st of the month you turn 65!

If you sign up the month you turn 65: your coverage will start 1 month after.

If you sign up 1 month after you turn 65 your coverage will start 2 months after etc..

After you apply for Medicare Part A & B THAN WHAT??

TURNING 65? HAPPY BIRTHDAY TO YOU and may the year ahead be abundant

After you apply for Medicare Part A & B THAN WHAT??

You'll need to make decisions about a Medicare Supplement/Secondary or a Med-Advantage plan (also known as Medicare Part C), in addition to selecting a Part D prescription plan.

I can assist in simplifying this process for you!

Contact me, and I'll gladly arrange a meeting to explore all aspects of Medicare, ensuring it's an enjoyable experience!

Medicare Part A

Medicare Part C - also called Med-Advantage

After you apply for Medicare Part A & B THAN WHAT??

Medicare Part B

Medicare Part C - also called Med-Advantage

Licensed Insurance Agent

Not connected with or endorsed by the United States government or the federal Medicare program

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or ‍1-800-MEDICARE to get information on all of your options.

Medicare has neither reviewed nor endorsed this information. Not connected with or endorsed by the United States government or the federal Medicare program.

Who is eligible for Medicare?