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Most people are automatically enrolled in Medicare when they turn 65, but some will need to sign up. When you are first eligible for Medicare, you have a 7-month initial enrollment period that begins 3 months before your 65th birthday, includes the month you turn 65, and ends 3 months after your birthday. If you are under 65 and disabled, you automatically get Medicare Part A and Part B after you get disability benefits from Social Security or certain disability benefits from the Railroad Retirement Board for 24 months.
The Social Security Administration will notify you that you're being enrolled.?Although most people get premium-free Medicare Part A (Hospital Insurance) as long as you qualify based on taxes paid while you worked, you will pay a premium to enroll in Medicare Part B (Medical Insurance). If you've been automatically enrolled in Part B, you'll be notified that you have a certain amount of time after your enrollment date to decline coverage. If you decide not to enroll in Medicare Part B during the initial enrollment period, you may incur a late enrollment penalty if you decide to enroll later on.
If you decide to postpone applying for Social Security past your 65th birthday, you can still enroll in Medicare when you turn 65.
There are 2 main ways to get your Medicare coverage:
If you are getting Original Medicare, some people find that they need supplemental coverage to help pay for costs Original Medicare does not cover. If you want to purchase a Medigap (Medicare Supplement) policy, you will want to consider enrolling during the initial enrollment period when you have a guaranteed issue right to buy any Medigap plan available in your state. After that period ends, you may be subject to medical underwriting and can be charged more or turned down for a Medigap policy.
Many people also consider adding prescription drug coverage to their insurance, either through a stand alone Prescription Drug Plan (PDP) if they have Original Medicare, or through a Medicare Advantage Plan with prescription drug coverage (MA-PD).
If you have another health insurance plan learn how Medicare will work with your other coverage. If you're retired and have coverage from a former employer, speak to your employer-based insurance manager for more detailed information.
About 3 months before your Medicare coverage starts, you'll get an IEQ in the mail. It asks about other health insurance you have that might pay before Medicare does. Fill out the IEQ so your bills are paid correctly and on time. You can also complete the IEQ online at MyMedicare.gov.
Questions about Medicare? Medicare.org’s information and resources can help make it easy to find the quality and affordable Medicare plan that’s right for you. We offer free, accurate comparisons for Medicare Advantage (Part C), Medicare Supplement (Medigap), and Medicare Prescription Drug (Part D) Plans.
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The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.
Limitations, copayments, and restrictions may apply. Benefits, premium and/or copayments/coinsurance may change on January 1, of each year.
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Blue Cross Blue Shield - Illinois
Blue Cross Blue Shield - Montana
Blue Cross Blue Shield - New Mexico
Blue Cross Blue Shield - Oklahoma
Blue Cross Blue Shield - Texas
Blue Shield of California
Capital Blue Cross
Cigna Health Spring
Premera Blue Cross
Scott & White
Vibra Health Plan
Last Revised 11/15/2017