How Do I Enroll in Medicare for the First Time?
If you are on the verge of attempting to enroll in Medicare for the first time, you are not alone. Roughly 10,000 people a day are doing just that. These are some of the first steps to take to enroll in Medicare.
How Do I Start the Process to Enroll in Medicare for the First Time?
You must keep in mind that there are a few moving parts to begin the process to enroll in Medicare for the first time. First, you must know that Medicare Part A and Part B are a bit different.
For Medicare Part A, most people are enrolled automatically. You’ll likely receive a notification in the mail about your eligibility. To be qualified, you have to have worked 10 years or 40 quarters in the United States while paying taxes to Social Security.
Also, you can apply online at Social Security Medicare Benefits, by phone at 1-800-772-1213; or at your local social security office. To find your local office go to Social Security Office Locator and enter your zip code.
Medicare Part B is optional if you are still working or if you are on your spouse’s insurance plan. Again, you should contact Social Security to get your Medicare Part A and Part B squared away.
What Else Should I Know About Trying to Enroll in Medicare for the First Time?
There are dates that you must know before you enroll in Medicare for the first time. Make sure you don’t miss your open enrollment window when turning 65 by following these simple steps with regard to Medicare Part A and Part B enrollment. You have a 7 month time frame to get enrolled to avoid any penalties. You can enroll 3 months before your birth month, the month of your birthday and 3 months after turning 65.
With regard to the penalties, they are not a one time occurrence. Medicare penalties are annual and can increase over the years.
If you are still receiving group health insurance coverage, be sure to speak to your benefits coordinator to determine if it is credible coverage for Part B. You should also contact a licensed Medicare Insurance Broker to determine your eligibility. Call this number for help: (480) 382-1823.
If your group health coverage is credible, then you can delay enrolling in Part B. Once your group health coverage ends, you have 8 months to enroll in Medicare Part B.
Final Thoughts
When you enroll in Medicare for the first time, it can be simple if you follow the right steps. To discover the remaining steps you need to take, download our FREE e-book.
