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When to Enroll in Medicare: Find Out Your Eligibility

Are You Eligible for Medicare?

Generally, you are eligible for Medicare if you or your spouse worked for at least 10 years in Medicare-covered employment and you are 65 years old and a citizen or permanent resident of the United States.

If you are not 65, you might also qualify for coverage if you have a disability or with End-Stage Renal disease (permanent kidney failure requiring dialysis or transplant).

Here are some simple guidelines. You can get Part A at age 65 without having to pay premiums if:

• You already get retirement benefits from Social Security or the Railroad Retirement Board.
• You are eligible to get Social Security or Railroad retirement benefits but have not yet filed for them.
• You or your spouse had Medicare-covered government employment.

If you are under 65, you can get Part A without having to pay premiums if:

• You have received Social Security or Railroad Retirement Board disability benefit for 24 months.
• You are a kidney dialysis or kidney transplant patient.

While you don’t have to pay a premium for Part A if you meet one of those conditions, you must pay for Part B if you want it. It is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you don’t get any of the above payments, Medicare sends you a bill for your Part B premium every 3 months.

Have questions? Give us a call and let us help you with your Medicare Health insurance needs.

By contacting the phone number on this website you will be directed to a licensed agent.

Medicare-Related Enrollment Dates and Guidelines

September & October—Review and Compare Medicare Advantage Plans

• Review any notices from your plan about changes for next year. To learn more about your options download Medicare and You 2024

Compare: In October, use Medicare’s tools to find a plan that meets your needs.

• This is the one time of year when ALL people with Medicare can make changes to their health and prescription drug plans for the next year.

Between: October 15- December 7

• Change from Original Medicare to a Medicare Advantage Plan.
• Change from a Medicare Advantage Plan back to Original Medicare.
• Switch from one Medicare Advantage Plan to another Medicare Advantage Plan.
• Switch from a Medicare Advantage Plan that doesn’t offer drug coverage to a Medicare Advantage Plan that offers drug coverage.
• Switch from a Medicare Advantage Plan that offers drug coverage to a Medicare Advantage Plan that doesn’t offer drug coverage.
• Join a Medicare Prescription Drug Plan.
• Switch from one Medicare Prescription Drug Plan to another Medicare Prescription Drug Plan.
• Drop your Medicare prescription drug coverage completely.

January 1—Coverage Begins

• Your new coverage begins if you switched to a new plan. If you stay with the same plan, any changes to coverage, benefits, or costs for the new year will begin on January 1.

Between January 1–March 31

• If you’re in a Medicare Advantage Plan (like an HMO or PPO), you can make one change to a different plan or switch  back to Original Medicare (and join a stand-alone Medicare Prescription Drug Plan) once during this  time. Any changes you make will be effective the first of the month after the plan gets your request.

When to buy a Medicare Supplement policy

• The best time to buy a Medigap policy is during your Medigap Open Enrollment Period, which is the six-month period that begins on the first day of the month in which you turn 65 or older and have enrolled in Part B. (Some states have additional Open Enrollment Periods.) After this enrollment period, you may not be able to buy a Medigap policy. If you are able to buy one, it may cost more.
• If you delay in Part B because you have group health coverage based on your (or your spouse's) current employment, your Medigap Open Enrollment Period won't start until you sign up for Part B.

If you have questions about enrollment please give us a call. We're here to help.

This information comes from www.medicare.gov and Medicare and You.

By contacting the phone number on this website you will be directed to a licensed agent.