When am I eligible for Medicare?

You may already know that people are eligible for Medicare when they turn 65. But did you know there are other criteria for eligibility, too? It’s a good idea to learn as much as possible about Medicare eligibility so you know when to enroll. This could be during one of the Medicare enrollment periods or you might qualify for a Special Enrollment Period. It pays to do your research.

What are the requirements for Medicare eligibility?

You’re eligible for Medicare when:

  • You’re 65 or older;
  • You or your spouse worked for at least 10 years in Medicare-covered employment;
  • You’ve been a U.S. citizen or legal resident for at least five consecutive years; and/or
  • You are younger than 65, but qualify for Medicare due to a disability or End-Stage Renal disease (ESRD).

If you’re nearing Medicare eligibility because of your age—also called “aging into” Medicare—it’s important to remember:

  • Even if you’re already collecting Social Security, you must wait until you’re 65 to join Medicare.
  • If you’re not collecting Social Security, you may still join Medicare after you turn 65.
  • You must be 65 to join Medicare. Your spouse’s age doesn’t count. So if you were receiving insurance benefits through your spouse and they are aging into Medicare, you will need to find coverage for yourself until you turn 65.

Initial Enrollment Period (IEP)

Your Medicare Initial Enrollment Period (IEP) is a 7-month period that begins 3 months before your 65th birthday, includes the month of your birthday, and lasts 3 months after your 65th birthday. You also enter an IEP when you become eligible for Medicare due to disability. This type of IEP also lasts 7 months: 3 months before you become eligible due to disability, the month you become eligible, and 3 months after your eligibility month. Remember: if you wait until after your IEP to join Medicare, you may find you’ll pay more and have fewer choices.

Medicare Annual Enrollment Period

The Medicare Annual Enrollment Period (AEP) is October 15 through December 7 of each year. It is also called the Medicare Open Enrollment Period (OEP). During this time, Medicare-eligible individuals may add, switch or drop Medicare coverage.

General Enrollment Period

The Medicare General Enrollment Period (GEP) runs from January 1 through March 31. During this time, you can enroll in Original Medicare Part A, Part B or both if:

  • You did not enroll during your Initial Enrollment Period (IEP).
  • You chose to delay enrollment when you first became eligible.
  • You previously terminated or withdrew from Part A, Part B or both and want to re-enroll.

When you enroll or re-enroll in Medicare during the GEP, your coverage begins on July 1 of the year you enroll.

–This information was provided by Medicare Made Clear

For more information on Medicare Enrollment and Special Enrollment Periods contact us at (888) 891-5557

http://www.turning65-newtomedicare.com – Turning 65 ? Looking for reliable Medicare Insurance? or Looking to get better rates. The Litchfield Insurance Agency assists the Beaver Medical Group in Redlands. Whether it be Medicare, Health, Life. We will find the right plan for you. Serving Redlands, Banning, Yucaipa and the Inland Empire.

Medicare – It’s Time To Review Your Plan – Redlands, Yucaipa, Banning, Beaumont

Ready…Set…Go!  It is time to review your Medicare plan.  You can make changes between October 15 and December 7. So if you are turning 65  or are already 65, we can help you in finding the right options for you and your needs.

Call us today at 909-790-7748 or visit our website at www.Turning65-NewtoMedicare.com

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Turning 65 and New to Medicare – Open Enrollment Begins October 15, 2011

 

Call us at 909-790-7748 or visit www.Turning65-NewtoMedicare.com if you have any questions. Can’t make it to us? We can come to you! We serve Redlands, Yucaipa,Banning, Beaumont, Loma Linda and many other cities in the Inland Empire

Choosing a Medicare plan that fits your needs can be a daunting task, but we can make it simple.

It’s important to know when to enroll. Medicare Part A, B, D, C or Medigap

Timing matters when you’re joining Medicare. When you turn 65 or otherwise become eligible for Original Medicare (Parts A and B), enrollment windows open. But some of these windows will close quickly. If you wait until later to sign up, you may have fewer choices, and you may pay more. Here’s a look at when to enroll.

This information was provided by Medicare Made Clear

 

If you or someone you know needs help choosing the right Medicare Supplement Plan call us at 909-790-7748 or visit our website and fill out our contact form www.Turning65-NewtoMedicare.com

10 key things you should know about Medicare – Residents of Redlands, Yucaipa, Banning, Beaumont

10 key things you should know about Medicare

  1. There are two ways to get Original Medicare (Part A and Part B).

    ChooseOriginal Medicare on its own, with the option to add Medicare Part D prescription drug coverage and/or Medicare Supplement Insurance (Medigap) for more complete coverage. Or choose a MedicareAdvantage (Medicare Part C) plan that bundles Original Medicare with extra benefits and may include prescription drug coverage in one plan. Once you’ve made this decision, it’s time to compare plans and pricing, and make a selection that meets your needs.

  2. Medicare Prescription Drug coverage is available.

    Original Medicare doesn’t include prescription drug coverage. That’s where Medicare Part D comes in. You can add Medicare Part D prescription drug coverage as a standalone plan or, depending on where you live, choose a Medicare Advantage plan that includes prescription drug coverage.

    Important: If you don’t sign up for a plan with Part D prescription drug coverage as soon as you become eligible for Medicare, you may pay a penalty on your premium unless you qualify for an exception or have other creditable coverage.

  3. You’ll pay a share of the cost of Medicare.

    Medicare helps you get the health care you need, but you’ll still be expected to pay a share of the cost. You’ve already contributed to Medicare by paying taxes while you worked. Now that you’re starting to use your Medicare benefits, you’ll pay for a share of the care you receive through monthly premiums, co-pays or coinsurance.

  4. Your share of the Medicare costs may be larger than you expect.

    There are some expenses Original Medicare doesn’t cover. Many people who choose Original Medicare add extra coverage, a Medicare Supplement Insurance plan, to help fill in those gaps. Another alternative is to choose a Medicare Advantage plan, which can also help with some of these expenses.

  5. Where you live makes a difference.

    Original Medicare is the same across the United States. But other parts of Medicare (Medicare Advantage and Medicare Part D) are offered by private insurance companies and may be available only in specific counties, states or regions, and not in others—although you may also find Medicare Advantage and Medicare Part D plans that offer nationwide coverage. Medicare Supplement Insurance plans are offered by private insurance companies. These plans may offer nationwide coverage and are available by state.

  6. Original Medicare doesn’t cover all your expenses.

    You’ll find that each part of Medicare has things it doesn’t cover. Find more coverage information on the Understanding Medicare page.

  7. Start by looking at the health insurance coverage you have now.

    Considering your or your loved one’s current health coverage can help you decide what you want in a Medicare plan. For example, if you have group coverage from your current job, or retiree insurance from a former employer, you’ll want to see how this coverage works with Medicare. Ask your benefits administrator for advice on next steps based on your individual situation.

     

  8. Timing matters when you’re choosing Medicare coverage

    Your Medicare Initial Enrollment Period (IEP) begins three months before your 65th birth month or when you become eligible for Original Medicare due to disability. If you wait until after your IEP to join, you may find you’ll pay more and have fewer choices.

  9. It’s a good idea to review your health care needs once a year.

    Once you choose your Medicare coverage, you’re not locked into that choice. You’ll have the chance to change your choices during the Annual Enrollment Period (AEP) (October 15 through December 7) each year. That’s why it makes sense to check your coverage every year to see if it still fits your needs.

  10. Don’t be afraid to ask for help with Medicare.

    There’s help available for everyone making Medicare choices. And there are financial assistance programs to help with the cost of Medicare for people with limited income and assets. Choosing your Medicare plan is an important decision. Asking an expert will help you know that you’ve made the right one.

Medicare Made Clear

For more information call 909-790-7748 or visit our website at www.Turning65-NewtoMedicare.com

How do I enroll in Medicare or am I automatically enrolled?

Most people eligible for Medicare are automatically enrolled in
Original Medicare, or Medicare Parts A and B, as of the 1st day of the
month of their 65th birthday. Roughly 3 months before your 65th
birthday (or the 24th month of receiving Social Security or Railroad
Retirement Disability) you will receive an Initial Enrollment Package
in the mail from the Department of Health and Human Services. This
packet will contain information about Medicare and your Medicare card.

Medicare Part B insurance is optional. If you elect to keep Medicare
Part B, which requires premium payments each month, simply sign the
card and keep it handy for doctor or hospital visits. If you want to
decline Medicare Part B, follow the instructions in the packet by
signing the Medicare form and returning it with your Medicare card to
the address indicated on the form. You will shortly thereafter receive
a new Medicare card for only Medicare Part A.

Please note that if you refuse Medicare Part B during Initial
Enrollment, you may have to pay a surcharge should you decide to add
it at a later date (unless the reason for declining was coverage under
existing health insurance through your own or spouse’s employment).

How To Enroll Into Medicare – Redlands CA, Yucaipa CA, Banning CA