Almost 65? We can help you enroll in Medicare!
You can enroll in Medicare, if you are within 3 months of the month you turn 65. For example, if your birthday is July 5th, then you can enroll online as soon as April 1st and no later than October 31st.
On average, Medicare Enrollment takes 2-4 weeks to process. If you are already on Social Security your enrollment is automatic, you do not need to apply.
Note: Different dates may apply, if you have been on Social Security Disability for at least 24 months.
If you are 65 and 4 months or older and currently have employer health insurance (or have had it within the last 8 months), you will need to ask your employer to complete the Medicare Employer Verification form.
You can also download the form and attach it to an email or send the link in an email to your employer. Your employer can then fax the Medicare Employer Verification form directly to your local social security office, putting in YOUR home zip code. Always request a copy for your records as well.
If you need help with the above steps, or when you are ready to discuss the pros and cons of options for Medicare Supplement, Medicare Advantage or Medicare Drug plans, contact us for a free consultation.
We are available for phone appointments, video calls, or face-to-face appointments.
Medicare Part B Premium Costs
If you are already on social security, the cost for Part B (doctor’s appointments/outpatient care) will be automatically deducted from your social security check.
If you are not yet on social security, you will receive a bill for Part B coverage in the mail every three months. The amount you pay depends on your income. For 2020, most people will pay $144.60/month. However, if your income is higher, you may pay more.
See the Cost Chart for Part B on the official Medicare.gov website.
2 Paths to Medicare Benefits
After you enroll in Medicare, you have two options for additional coverage:
Medicare Supplement Insurance (Medigap) and/or Medicare Part D
Medicare Advantage Plan
There are two ways to get additional Medicare benefits. Our favorite chart simplifies the choices.
The 10 Standardized Medicare Supplement Plans (Medigap)
There are 10 Supplement plans that are offered by different companies. The plans are the same across the country in what they offer, but the costs will differ, depending on the company that you get the plan through.
Let’s look at the Supplement Plan Options.
Medicare & You Handbook
In the fall of each year, all Medicare recipients will receive an official Medicare & You handbook detailing all the options available for Medicare for the next year.
Download 2020 Medicare & You Handbook – English
Other languages and formats for download can be found on the official Medicare.gov website.