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There are no medical questions to answer and pre-existing conditions are automatically covered.You just need to observe a few rules to avoid problems.So let’s get started on everything you need to know about how to sign up for Medicare.Make a Note
Mistake #1 to avoid: If you fail to apply prior to the month in which you turn 65, your Medicare will be delayed by a minimum of one month, often longer.
Mistake #2 to avoid: Failure to apply for Medicare Part B prior to losing group coverage after age 65 could leave you without Medicare coverage for months at a time and even a potential 10% lifetime late enrollment penalty.
When does my Medicare start?
Your Medicare will start on the 1st of the month in which you turn 65—but only if you sign up on time. For example, if your birthday is the 30th of August, your Medicare will start on August 1st.
Bonus month: If your birthday falls on the first day of the month, your Medicare will start a month early! So if your birthday falls on August 1st, your Medicare will actually start on July 1st. Just be sure to enroll two to three months before Medicare is to start.
When should I sign up for Medicare?
The process depends on whether you are receiving Social Security benefits or not.
Receiving Social Security benefits? You don’t need to do anything. Your Medicare card should be mailed to you automatically three months before you turn 65. It should show that you have Medicare coverage for both Hospital (Part A) and Medical (Part B). Part A is free, while Part B has a premium which will be $144.60 for most people first signing up for Medicare in 2020.
If your income is high enough, your premium for Part B could be considerably higher. The following link gives a detailed chart showing Medicare premiums for high-income earners: Medicare for Higher Income
If you have not received your card 60 days prior to when Medicare should start, you’ll want to call your local Social Security office and let them know that you have not received your card and ask for it to be re-sent.
NOT receiving Social Security benefits? If you are not receiving Social Security benefits, you will need to contact Social Security to get signed up for Medicare. Be sure to do this two to three months prior to the month your Medicare is supposed to start -- which is usually the month you turn 65.
Where do I apply for Medicare?
There are three ways to get signed up for Medicare:
This is the method that we recommend because it is the easiest, safest and most trouble-free. All you need to do is call your local Social Security office, set up an appointment and let a trained Social Security representative enroll you.
You may need some, or all, of the following documents when going to the Social Security office:
Even if you are unable to obtain all of these documents, do not delay in going to the Social Security office. YOU MUST apply prior to the month you turn 65, or you may ne without any insurance coverage for a minimum of one month—in some cases for much longer. The key is to have started the application process, as that will establish your application date as being timely.
If you are having difficulty obtaining a document, the Social Security office may be able to help, as their claim representatives are well trained in how to search for official documents.
Click here to find the address and local phone number of your nearest Social Security Office in Colorado.
See above for a listing of local Social Security office phone numbers.
Click here to enroll.
A word of caution if applying online: If Social Security is not able to positively verify your date of birth electronically, they will require you to either take your birth certificate to the local Social Security office or you’ll be asked to mail it. We do not recommend mailing such important documents. The possibility of an important document being lost either in the mail or while going from one desk to another at the Social Security office is just not worth the risk. It’s much more advisable to hand-carry the necessary documents to the Social Security office in person.
When does my Medicare Part B start?
When is the open enrollment period? There are three times when you can enroll in Medicare:
Your Birthday Month
What if I'm over 65 and still working?
You may qualify for a Special Enrollment Period if both of the following are true: