Applying for Medicare can be confusing depending on your specific situation. It is important to know how to apply based on the timing of your situation.
If you are collecting social security…
If you are collecting social security, you will automatically be enrolled in Medicare and your Medicare card will be mailed to you about three months before the month that you are eligible for Medicare. This card will come in a plain white envelope, so you should be paying attention to your mail during this timeframe.
If you are not collecting social security…
If you are not collecting social security yet, you will have to take action in order to enroll in Medicare. If you are actively working and have credible group coverage, you will only need to enroll in Part A. This is easy to do by going to social security’s website and following the steps to enroll in Medicare Part A only. If you are not comfortable signing up online, you can schedule an appointment with your local social security office. You can enroll in Medicare Part A starting three months before your 65th birthday and anytime thereafter.
If you are not collecting social security and do not have credible group coverage, you will need to enroll in Medicare Part A and Part B. You can also sign up for both parts on social security’s website or by contacting your local social security office. You should start this process about three months before your 65th birthday.
If you are signed up for Medicare Part A and need Part B…
If you already have Part A and need to enroll in Part B, you will want to complete Form CMS-40B. This form requests enrollment in Part B only. If you have had credible group coverage, you will also need to complete Form CMS-L564, which will make sure you do not incur any late enrollment penalties.
If you have any questions about Medicare enrollment, supplemental coverage, Medicare Advantage plans, or how Medicare coordinates with FEHB benefits, United Benefits Medicare Specialists are here to help. Use the form below to get in touch.