Making Medicare Easy.
Applying For Medicare
The process of applying for Medicare can often feel overwhelming or intimidating. The good news is you don’t have to worry, your enrollment will likely be easier than you may think. We have guided thousands of people all across the country through their Medicare enrollment, so continue reading to learn everything you need to know to easily apply for Medicare.
Most people become eligible and enroll in Medicare when they turn 65. The process of applying for Medicare is done through the Social Security Administration as they are the agency responsible for verifying Medicare eligibility and for processing applications for Medicare Part A and Part B.Ā They offer several easy ways to apply for Medicare so you can choose the option that works best for you. Additionally, there are several different enrollment periods that you can use to enroll in Medicare based on your personal situation; however, in general, it is recommended to begin your enrollment process three months before your Medicare coverage is expected to begin. Starting the application process early is one of the best things you can do to ensure a stress-free enrollment. By starting early you get a head-start on finding your best coverage options with more than enough time to spare for paperwork submission and approval of your new coverage.
If you or your spouse are still working when you turn 65 and wish to stay on your employer’s group health insurance, then you can delay signing up for Part B until you retire in the future. Read more about Medicare and employer coverage.
Your Initial Enrollment Period When Turning 65
Your initial enrollment period (IEP) is a 7-month window that allows you to sign up for Original Medicare (Parts A and B) when you first turn 65. It starts 3 calendar months before the month you turn 65 and continues for 3 months after. This means if you turn 65 on June 25, you can submit your enrollment paperwork as early as March 1. In fact, one of the best ways to ensure a smooth enrollment is to get start your enrollment as soon as possible.Ā
Another important thing to note is that Medicare coverage always starts on the first day of the month. This means that as long as you apply for Original Medicare in the 3 months prior to your birth month, then your coverage will begin the first day of your birth month.Ā
Were you born on the 1st day of the month? If so, then you qualify for a little-known exception where your Medicare coverage will actually begin 1 month prior to your birth month. For example, if you were born on June 1st then your Medicare coverage would begin on May 1st of the year you turn 65.Ā
How To Apply For Medicare
You May Be Automatically Enrolled In Medicare
If you start receiving Social Security retirement benefits at least 4 months before your 65th birthday, then you will be automatically enrolled in Medicare Part A and Part B. You will receive your Medicare card in the mail about 3 months prior to your birth month.
If you are NOT receiving Social Security retirement benefits before you turn 65, then you will simply need to apply for Original Medicare by using one of the 4 methods listed below.Ā
Apply For Medicare Online
The most common way to apply for Medicare is through an online application on the Social Security website. The application process is very easy and only takes about 5 to 10 minutes. Simply visit the Social Security website and follow the links to the application.
While you wait for your new Medicare card to arrive in the mail, our friendly licensed insurance agents can help you learn about your options when it comes to a Medicare Supplement or Advantage plan; you will be ready to enroll as soon as you receive your Medicare card.
Apply for Medicare By Phone
To apply by phone, contact Social Security atĀ 1-800-772-1213Ā and let the representative know that you would like to apply for Medicare. Depending on your personal enrollment situation, they may need to mail you some forms to complete. These forms are relatively simple, but if you have any questions or would like assistance, then feel free to give us a call. We help clients with this process every day and are more then happy to guide you though the process.
Apply for Medicare By Mail
The best option for those 65+ that already have Medicare Part A, and wish to apply for Part B is completing a paper application. If this is applicable to you, and you are currently leaving credible group coverage, then there are two forms you will need to complete and mail to your local Social Security office.
These forms can be downloaded at the following links:
Application for Enrollment in Medicare Part B Form: CMS 40-B
Proof of Coverage Form: CMS-L564
Apply for Medicare In Person
Applying in person at yourĀ local Social Security officeĀ is the best option for those who are turning 65 and need to get their application processed quickly. You canĀ find the nearest Social Security office to you by visiting the Social Securities website. When you are at the Social Security office, be sure to ask for a printed confirmation showing you have enrolled in Part A and Part B. This confirmation will allow you to complete your Medicare Supplement and/or Part D applications.
What is the next step after I apply for Medicare?
Congratulations you are one step closer to your new Medicare coverage! Because Medicare doesnāt cover all of your medical costs, submitting your Medicare application is simply the first step in the process. The next step is to identify the supplemental insurance coverage that will best fit your needs and budget. Working with an expert insurance agent can simplify this process and ensure that you donāt miss any steps along with way.
Our licensed insurance agents at Medicare Hero make shopping for Medicare coverage simple, easy and stress free for all our clients. If you would like our assistance to help answer your questions, shop for coverage, or apply for the supplemental insurance you choose then please give us a call today atĀ 1-(888) 321-6361 or fill out the contact form below.
Continue learning about Medicare in the next article:Ā Compare Medicare Plans
