Medicare Made Easy Pt 2
How do I sign up for Medicare?
You can register for Original Medicare via the Railroad Retirement Board or Social Security or in the following ways:
- Online on the social security website
- Call 1-800-772-1213, from 7:00 a.m. at 7:00 p.m. from Monday to Friday. Call 1-800-325-0778 for TTY services.
- Through a personal visit to a social security office
When communicating with the Railway Retirement Board if you have worked on a railroad. Call the RRB Monday through Friday from 9:00 am to 3:30 pm at 1-877-772-5772. Call 1-312-751-4701 for TTY services.
If you receive social benefits or retirement pensions before age 65, Medicare Part A and B will be automatically registered. You will enroll in Medicare at the same time you apply for a retirement pension, either through Social Security or the Railroad Retirement Board. Should this situation apply to you and you receive retirement benefits prior to your 65th birthday, you will automatically be enrolled in Medicare Part A and B on the first day of the month you turn 65 years. Get a 2019 medicare supplement plan to be healthy in the new year.
When you turn 65 at the beginning of the day of the month, your Medicare insurance begins on the first day of the previous month. If you do not receive retirement benefits at the age of 65 years, you must enroll in Medicare manually. The first 7 month enrollment period is the first time you can enroll and start 3 months before you turn 65 years. It includes the month in which he is 65 years old and ends 3 months later.
Some people may qualify for Medicare before the age of 65 if they have received social security or disability benefits from the Railways Pension Authority for 24 months. If you are eligible for a disability, you will get a Medicare card by email 3 months prior to when the disability benefits mature to the 25th month. You will be automatically registered in the 25th month.
Some patients may also qualify for Medicare if they have amyotrophic lateral sclerosis or end-stage renal disease. Authorization and registration in these situations work differently. You can enroll in Medicare 24 hours per day, 7 days per week, at 1-800-MEDICARE (1-800-633-4227).
Since you must pay a premium for Medicare Part B, you can choose not to enroll or delay the application, but you may be aware that you may be penalizing late enrollment. A few months before the age of 65, you will receive a “Welcome to Medicare” package via email, with all the information you need.
How much does Medicare cost?
The cost of Medicare depends on the type of insurance you choose. With Original Medicare, monthly premiums depend on the number of quarters of your social security credits. You will receive Medicare Part A for free if you have worked a minimum of 10 years (i.e. 40 quarters) and have paid Medicare taxes within the period. Otherwise, you may owe a monthly premium for Medicare Part A. The exact amount of your bonus depends on how long you have been working.