Are You Eligible & Should You Enroll?
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Many United States citizens qualify for enrollment in Medicare at age 65. But did you know that some people may qualify earlier depending on some specific health conditions or disabilities? Do you know how to enroll in Medicare? This guide will answer your questions about Medicare enrollment requirements and help you get started.
You will have access to numerous benefits but there may be some pitfalls and you must understand the requirements. You must be aware that some of the negatives are that you may need to prove certain things in order to gain access to the help. Some of these include the following:
Medicare Parts A, B, and C are generally offered to those 65 and older. These three parts offer patients different benefits – there is also a part D which is mostly associated more with the medicines to treat the illness. But this also includes younger people with disabilities and those with certain terminal or long-term illnesses, including end-stage renal disease. It is known that Medicare has two parts, Part A and Part B. Part C (Medicare Advantage) is a comprehensive plan offered by private insurance companies.
Part A (Hospital Insurance): If you are 65 or over and you or your spouse has worked 10 years paying tax, you can qualify. Part A is therefore free. People who have worked less than 10 years will have to pay a premium. There are help tools online to ensure that you know which you can cover for and what your eligibility is.
Part B (Medical Insurance): If you qualify for Part A, you will qualify for Part B also. But you will get deductions from your Social Security check if you are paying a Part B coverage premium. Again it is best to check to see how much you will have to pay.
Extra info: You can still buy Medicare Part A if you did not work or pay taxes previously, so there are ways to still fund your care. However, in addition to buying Part A, you will pay a monthly premium of up to $471 per month and this also applies to those enrolled in Part B. The premium for Part B currently is $148 per month. It will be based and calculated on your income level of course. You’ll need to pay higher premium costs if your income gets higher over time. Therefore it is means tested and will fluctuate depending on your yearly income.
You can actually enroll up to three months before your 65th birthday. This includes the month of your birthday, and ends three months after. If you miss the initial enrollment period, you will need to look at SEP (Special Enrollment Period) or the next annual period, known as AEP. The AEP allows you to make changes or update policies to ensure you have the best cover depending on your circumstances. This period runs between October 15 to December 7 of each year.
You must be aware of this, and therefore miss the annual date. During these two months you can get advice relating to your current plan. You will have until 11:59 pm on December 7 of each year to make this decision so it is best to start earlier so you can negotiate during this time frame. Selections made during the AEP are effective as of January 1 of the following year. Medicare is a very well received medical option for numerous people and therefore beneficial to all.
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