Answering Common Questions About Medicare Signup
If you’re nearing retirement age, you’re probably starting to think about Medicare and how you’ll ensure you have health coverage. Medicare signup can be complicated, and it’s a good idea to know as much as you can before deadlines start to loom.
At Good & Associates, we specialize in helping people sign up for Medicare in California and find the best plans possible, as well as educating them on the process. These are some of the most common questions we hear.
Four Frequently Asked Questions About Medicare Signup
1 – Does everyone have to sign up for Medicare?
No, under certain circumstances, you may be automatically enrolled in Medicare Part A & Part B. This is the case if either:
- You’ve been receiving Social Security benefits for at least four months before turning 65, or
- You’re under 65 but have been receiving Social Security benefits for at least 24 months.
However, this does only apply to Parts A & B. If you want Part D (prescription coverage) you would need to apply for that separately.
2 – What is the best method of Medicare signup?
You’ve got a few different options here, and they’re all good – it just depends on your needs.
- Filling out an application on the Social Security Administration website.
- Calling the SSA at 1-800-772-1213, 7 am to 7 pm, Monday through Friday.
- Visiting your local SSA office to apply in person.
- Utilizing the services of an insurance broker to handle the signup process for you.
3 – When can I first sign up for Medicare?
If you aren’t already enrolled, there’s a seven-month window for applications. It begins three months before your 65th birthday, and then another four months after.
It’s possible to sign up after this period, but you’ll have to pay a late enrollment fee, so we strongly advise starting on your paperwork early so you can apply on time.
4 – What if I need to change my coverage?
Once you’re signed up for Medicare, you cannot immediately change the coverage you’re receiving. However, every year from October 15 to December 7 is the “open enrollment period.” At this time, anyone on Medicare can make changes to their enrollments and insurance plans, which are then permanent until the next open enrollment.
For More Medicare Help, Contact Good & Associates
We’re insurance brokers who can help you find the perfect combination of Medicare plans and services. For a free consultation, just contact us.