If I Sign Up for Medicare Part B

Medicare is our country's health insurance program for people age 65 or older. Certain people younger than age 65 can authorize for Medicare too, including those with disabilities and those who have permanent kidney failure.

The plan helps with the cost of wellness care, just it does not embrace all medical expenses or the cost of near long-term care. You have choices for how yous go Medicare coverage. If y'all choose to accept Original Medicare (Part A and Part B) coverage, you can buy a Medicare Supplement Insurance (Medigap) policy from a private insurance company.

The Parts of Medicare

Social Security enrolls you in Original Medicare (Part A and Part B).

• Medicare Part A (hospital insurance) helps pay for inpatient care in a hospital or limited time at a skilled nursing facility (post-obit a hospital stay). Role A also pays for some domicile wellness care and hospice intendance.
• Medicare Part B (medical insurance) helps pay for services from doctors and other health care providers, outpatient care, home wellness care, durable medical equipment, and some preventive services.

Other parts of Medicare are run past private insurance companies that follow rules set by Medicare.

• Supplemental (Medigap) policies help pay Medicare out-of-pocket copayments, coinsurance, and deductible expenses.
• Medicare Advantage Plan (previously known equally Part C) includes all benefits and services covered nether Office A and Part B — prescription drugs and additional benefits such as vision, hearing, and dental — bundled together in one plan.
• Medicare Role D (Medicare prescription drug coverage) helps embrace the price of prescription drugs.

Most people historic period 65 or older are eligible for free Medical infirmary insurance (Function A) if they have worked and paid Medicare taxes long plenty. You lot can enroll in Medicare medical insurance (Role B) past paying a monthly premium. Some beneficiaries with higher incomes will pay a college monthly Role B premium. To larn more, read Medicare Premiums: Rules For Higher-Income Beneficiaries.

Should I Sign Up For Medical Insurance (Function B)?

With our online application, you can sign up for Medicare Part A (hospital insurance) and Part B (medical insurance). Because you must pay a premium for Part B coverage, y'all tin can plough it down.

If you're eligible at historic period 65, your initial enrollment period begins three months earlier your 65th altogether, includes the month yous turn historic period 65, and ends three months after that birthday.

If you choose not to enroll in Medicare Role B and and then decide to do then later, your coverage could exist delayed and you may accept to pay a college monthly premium for every bit long as you take Part B. Your monthly premium will go up 10 percent for each 12-month period you were eligible for Part B, simply didn't sign up for information technology, unless y'all qualify for a "Special Enrollment Period" (SEP).

If you lot don't enroll in Medicare Part B during your initial enrollment period, you have another chance each twelvemonth to sign up during a "full general enrollment period" from January ane through March 31. Your coverage begins on July 1 of the year you enroll. Read our Medicare publication for more information.

If you have a Health Savings Account (HSA) or health insurance based on current employment, you may want to ask your personnel role or insurance company how signing up for Medicare will affect you.

Special Enrollment Period (SEP)

If you have medical insurance coverage under a group health plan based on your or your spouse's electric current employment, you may not need to apply for Medicare Part B at age 65. You lot may qualify for a "Special Enrollment Flow" (SEP) that will let you lot sign upwards for Part B during:

• Whatever month y'all remain covered under the group health plan and you or your spouse's employment continues.
• The 8-month period that begins with the calendar month after your group wellness plan coverage or the employment it is based on ends, whichever comes first.

How To Utilize Online For Just Medicare

If you are inside iii months of turning age 65 or older and not ready to start your monthly Social Security benefits yet, you can employ our online retirement application to sign up just for Medicare and wait to use for your retirement or spouses benefits later. It takes less than 10 minutes, and in that location are no forms to sign and usually no documentation is required.

Apply for Medicare Only

Return to Saved Application | Check Application Status | Replace Medicare Card

To observe out what documents and information y'all demand to utilize, go to the Checklist For The Online Medicare, Retirement, and Spouses Awarding.

Medicare Cards

To help protect your identity, your Medicare card has a Medicare number that's unique to y'all. If you did not receive your red, white, and bluish Medicare card, in that location may be something that needs to be corrected, similar your mailing address. Yous tin can update your mailing accost by signing in to or creating your personal my Social Security account. Larn more than about your Medicare carte du jour.

Already Enrolled in Medicare

If you have Medicare, y'all tin can get information and services online. Find out how to manage your benefits.

If you are enrolled in Medicare Part A and you want to enroll in Part B, delight complete grade CMS-40B, Awarding for Enrollment in Medicare – Role B (medical insurance). If you are applying for Medicare Part B due to a loss of employment or group health coverage, you will also need to complete form CMS-L564, Request for Employment Information.

You can use ane of the post-obit options to submit your enrollment request under the Special Enrollment Period:

1. Go to "Use Online for Medicare Function B During a Special Enrollment Menses" and consummate CMS-40B and CMS-L564. Then upload your evidence of Grouping Wellness Programme or Large Group Health Plan.
2. Fax or postal service your CMS-40B, CMS-L564, and secondary evidence to your local Social Security office (meet list of secondary prove below).

Note: When completing the forms CMS-40B and CMS-L564

• Land "I want Part B coverage to begin (MM/YY)" in the remarks section of the CMS-40B class or online application.
• If possible, your employer should complete Section B.
• If your employer is unable to complete Section B, please complete that portion as best as you lot can on behalf of your employer without your employer's signature and submit one of the post-obit forms of secondary evidence:
• Income tax form that shows health insurance premiums paid.
• W-2s reflecting pre-tax medical contributions.
• Pay stubs that reflect health insurance premium deductions.
• Health insurance cards with a policy constructive date.
• Explanations of benefits paid by the GHP or LGHP.
• Statements or receipts that reflect payment of health insurance premiums.

You'll have Original Medicare (Part A and Part B) unless you make another choice. You can determine to add a drug plan (Part D) or buy a Medigap policy to help pay for costs that Original Medicare doesn't cover. You can cull to join a Medicare Advantage Program (Part C) and go all your Medicare coverage (including drugs and actress benefits similar vision, hearing, dental, and more than) bundled together in one programme.

Some people with limited resources and income may as well be able to become Extra Help to pay for Part D drug costs.

What Happens After I Utilize?

The Centers for Medicare & Medicaid Services (CMS) manages Medicare. Afterwards you are enrolled, they will ship you lot a Welcome to Medicare packet in the mail with your Medicare card. You will also receive the Medicare & Yous handbook, with important information about your Medicare coverage choices.

Other Medicare Enrollment Options

If you live in Puerto Rico you volition not receive Medicare Part B (medical insurance) automatically. You will demand to sign upwards for it during your initial enrollment period, or you will pay a punishment. To sign up, please telephone call our price-gratuitous number at 1-800-772-1213 (TTY 1-800-325-0778). You also may contact your local Social Security office. You lot can detect your local Social Security office past using our Office Locator.

Related Information

• Who do I contact - Social Security or Medicare?
• Utilise Online for Medicare — Even if You Are Non Ready to Retire
• Assist Fight Medicare Fraud
• Get Extra Help with Medicare prescription drug plan costs
• More Medicare information
• Understanding Medicare Part C & D Enrollment Periods
• Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare
• Understanding Medicare Advantage Plans
• Mandatory Medicare Coverage

Medicare

Website: www.medicare.gov

Toll-costless number:
1-800-MEDICARE
(1-800-633-4227)

TTY number: 1-877-486-2048

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Source: https://www.ssa.gov/benefits/medicare/

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