Are you 65 years old? You may be having grand children and are also retiring from career or taking trips that you may have dreamed for a long time right from your teens. Sixty-five is the first year you become eligible for Medicare Supplement Plans enrollment. Medicare is the health insurance program providing Part A and Part B relating to hospital and medical insurance for people who are 65 and older and also for people under 65 years if they quality their disability. However, the Part A and B are referred to as Original Medicare.
When to sign up for Medicare?
You may be enrolled automatically in Medicare to become eligible. So, understand the difference of signing up for Medicare manually and automatically. Signing up automatically for Medicare is possible if:
- You are getting retirement benefits from the SSA
- If you are getting Railroad Retirement Board benefits
If you are automatically signed up for Medicare Supplement Plans, your Medicare card is sure to be mailed in a period of three months before 65th birthday. The Medicare benefits will initiate on the first day of your birthday month as you turn 65. In case your birthday is on the first of a month, your benefits will begin from the previous month on the first day.
Signing up manually for Medicare
If you are not receiving Medicare automatically, you may consider signing up manually for Medicare supplement plans by:
- Visiting the social security and applying for Medicare, in case you are not eligible or not yet qualified to receive the retirement benefits.
- Apply personally visiting the local office of social security.
- Call the Social Security from 7 am to 7 pm between Mondays to Fridays.
- Working for a Railroad means you may apply through Railroad Retirement Board for Medicare that works from 9am to 3.30 pm between Mondays to Fridays.
How you can avoid the penalty of late-enrollment as you sign up for Medicare
If you are not getting the retirement benefits as you attain 65 years, it means you are working. If so, you must sign for Medicare Supplement Plans as you retire and this will be the time your employer health care coverage is also not available. As the coverage from employer ends, you may sign up for Part B Medicare as special enrollment period and you can do this without any late-enrollment penalty.