What Month I Need To Register For Medicare?

Welcome to the Medicare Enrollment and Eligibility Resources Middle, your ane-stop shop for Medicare data and planning for when you lot plow 65. Here y'all'll notice the tools and resources yous need to assistance you experience confident about signing upwardly for Medicare for the first time.

The Medicare Initial Enrollment Flow (IEP)

Around your 65th altogether (or 25th disability check), y'all'll have a seven-month window of fourth dimension when you can sign up for Medicare. It'southward chosen your Initial Enrollment Flow – or IEP for short. Your IEP includes your 65th altogether month, the iii months earlier and the 3 months after.

Instance: You lot turn 65 on June 7. Your IEP is March one – September 30.

If, however, your birthday is on the 1st of the month, and then your IEP is determined as though you were born the calendar month earlier.

Example: Y'all plough 65 on June ane. Your IEP is February 1 – August 31.

Your IEP includes your 65th birthday month, the 3 months before and the 3 months after.

Am I automatically enrolled in Medicare at 65?

If you currently receive Social Security or Railroad Retirement Board benefits, you may be automatically enrolled. You lot'll receive your Medicare menu in the postal service before your 65th altogether. You lot'll however have an IEP, during which you may make Medicare coverage decisions.

If yous are not currently receiving Social Security or Railroad Retirement Lath benefits when you turn 65, you'll have to sign upwards for Medicare yourself. Medicare may not notify yous about your eligibility, so exist sure to go your Initial Enrollment Flow (IEP) dates and put them in your agenda.

You lot'll get timely emails with of import data to help you navigate your Medicare Initial Enrollment Period every bit smoothly every bit possible.

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Why exercise we need this information?

The above fields are required. Your birthdate will be used to determine your Initial Enrollment Menses dates and to send you the most timely and relevant information for your situation.

By providing your email accost you are like-minded to receive information and product offers.

Do I need Medicare if working past 65?

If yous are planning to continue working past age 65, you lot may be able to delay enrolling in Medicare. If y'all have credible health coverage from your employer or are covered nether a spouse'southward employer plan, you may qualify for a Special Enrollment Period, and be able to delay enrolling without penalty.

In some situations, though, yous may still be required to take full Medicare benefits at age 65 even if you programme to proceed working. 1 such example is when an employer has fewer than twenty employees.

Observe Out If Yous Can Delay Enrolling in Medicare

Find out when you can enroll in Medicare

For most people, the outset time you can enroll in Medicare is around your 65th birthday. You lot tin also qualify to enroll in Medicare with a qualifying inability --- after you've received inability benefits for 24 months), or a qualifying medical condition --- such as Lou Gehrig's disease (ALS) or end-stage renal disease (ESRD).

You lot can use this tool to find your Medicare eligibility dates for historic period, disability or medical condition.

What happens if I miss my Initial Enrollment Flow?

If you miss your Initial Enrollment Period, Medicare offers a General Enrollment Menstruation (GEP) for those who did not sign up around their 65th birthday. You could face late enrollment penalties if yous wait too long to sign up, and don't qualify for a Special Enrollment Menstruum. Acquire more about missing your Initial Enrollment Period hither.

Medicare General Enrollment Menstruum

The GEP is January 1 – March 31 every year. Here'due south what you need to know:

You lot can enroll in Part A, Role B or both during the time
Coverage begins on July one of the same year
You may take to pay a late enrollment penalization
You may exist eligible to enroll in a Medicare Advantage (Part C) or a prescription drug (Function D) plan Apr 1 – June 30 of the same year

How do I know what Medicare coverage I need?

You'll accept decisions to make during your IEP, fifty-fifty if you're automatically enrolled in Part A and Role B. What Medicare coverage you lot need to enroll in is based on your personal situation. Original Medicare doesn't cover everything, and Medicare coverage offered past private insurers—such every bit a Medicare Advantage or a Part D programme—could assistance fill in the gaps.

Consider your health and lifestyle needs, your employment condition, wellness conditions, prescription drug use and if you need dental or vision coverage.

You demand prescription drugs

If you lot use prescription drugs, you lot volition either need to get a stand-lonely Part D prescription drug plan or a Medicare Advantage plan that includes drug coverage. Medicare Part A will only cover drugs you use in the hospital as an in-patient. Part D likewise covers some vaccines, such as for shingles and the influenza.

You desire dental, vision & other wellness benefits

Dental, vision, hearing and fettle benefits are not covered past Medicare Parts A, B and D. Just Medicare Advantage plans offer these benefits and others, such as transportation for medical appointments and virtual doctor visits.

You want help with Medicare costs

Medicare costs tin can add up. If yous have Medicare Parts A & B, y'all tin add together a Medigap program to help with out-of-pocket costs similar deductibles and coinsurance. Y'all can also consider a Medicare Advantage plan that includes an out-of-pocket maximum, which can offer financial protection.

You are too eligible for Medicaid

There are Medicare plans specifically designed for people who are eligible for both Medicaid and Medicare. Dual Special Needs Plans are a special kind of Medicare Advantage Plan that combine Parts A, B and D Medicaid, and extra benefits such as dental and vision.

Your Medicare coverage choices need to fit your health needs, lifestyle and budget. You will take a chance to review your coverage, and make changes each year during the Medicare Annual Enrollment Menstruation, Oct. fifteen – Dec. 7.

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