What to do before turning 65? This is a common question for those who have yet to join Medicare. Medicare Plans Washington is here to help you prepare for Medicare. There is a lot to learn so you should start at least 6 months before your 65th birthday.
What to do Before Turning 65
New to Medicare? Six months before turning 65, start going over Medicare Parts A, B, C, D and Medigap. Medicare can be difficult to understand because it is so involved. If you are having trouble understanding anything, Medicare Plans Washington can help. Call 1-866-248-2104 or send an email to info@MedicarePlansWashington.com to speak to a licensed agent. Medicare Plans Washington provides Medicare health plan quotes for Washington State residents. A licensed agent will help you find the right plan for you and learn all the ins and outs of hospitalization coverage, doctor, surgical, and therapy services, supplemental plans, Medicare Advantage, and prescription coverage.
Six Months Before Turning 65 Checklist
Once you have gone over the different parts of Medicare coverage there are some specific things you have to know for your personal coverage.
- Find out if your work history (or your current/former spouse’s) qualifies you for coverage. If you have worked for at least 10 years, during which this time you paid Medicare taxes, then you should be qualified for coverage.
- Know the costs of Medicare. Compare Washington Medicare plans to find the right coverage at the right price. Fill out the Compare Plans form on the home page for assistance.
- Know when to enroll to avoid penalties. The initial enrollment period is a 7-month window around your 65th birthday. It is 3 months before your 65th birthday, your birthday month, and 3 months after your 65th birthday.
You will be eligible to enroll in Medicare three months before your 65th birthday if you have worked for at least 10 years (during which time you paid Medicare taxes). Additionally, if you are receiving Social Security disability income, you will be able to enroll in Medicare. You may also qualify for Medicare if you have been diagnosed with End Stage Renal Disease (also referred to as kidney failure) or Lou Gehrig’s Disease (ALS).
In order to enroll in Medicare, you have to know which plan is right for you. Sometimes, the right plan may cost more but also cover more, making it the right choice for you. Depending on the situation, you may be able to be automatically enrolled in Medicare.
You may qualify for Medicare and be automatically enrolled if one of the following applies:
- Already receiving benefits from Social Security or the Railroad Retirement Board (RRB)
- Receiving benefits from Social Security due to a disability
- Have Lou Gehrig’s Disease (ALS)
If you’re automatically enrolled, you’ll get your red, white, and blue Medicare card in the mail 3 months before your 65th birthday, or during your 25th month of disability. If you are diagnosed with ALS, you’ll automatically get Medicare Parts A and B the month your disability benefits begin.
Not everyone is automatically enrolled in Medicare. For example, you may need to enroll yourself if:
- You aren’t currently receiving benefits from Social Security or the Railroad Retirement Board (RRB) (for example, because you’re still working)
- You have End-Stage Renal Disease (Kidney Failure)
Initial Medicare Enrollment Period
You can join Medicare Parts A, B and D during your Initial Enrollment Period. This is the seven-month window surrounding the month of your 65th birthday, starting 3 months before your birth month and ending 3 months afterwards.
Other Medicare enrollment periods if you enroll after you turn 65:
- Special Enrollment Period for Medicare Parts A and B: If you’ve been covered by insurance through a current job (or a spouse’s current job), you can enroll in Medicare Parts A and B up to eight months after the job or the insurance ends.
- Special Enrollment Period for Medicare Part D: If you’ve had prescription drug coverage through a current job (or a spouse’s current job) and it was creditable coverage, you can enroll in Medicare Part D up to 63 days after the job or insurance ends.
- General Enrollment Period: Annual General Enrollment occurs from Oct. 1 to Dec. 7 each year. If you enroll at this time, your coverage will start Jan. 1, but you may have to pay a late-enrollment penalty if you were eligible to enroll in Medicare previously. Because of this, it is generally advised to enroll in Medicare as soon as you are eligible.