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Medicare Enrollment

  • You can file for Medicare through the Social Security website: www.ssa.gov.
  • You can call Social Security at 800-772-1213 7 a.m – 7 p.m weekdays.
  • If you are already receiving social security benefits you will automatically be enrolled in Medicare Parts A and B.

  • Your Initial Enrollment Period is the 7-month time period when you first become eligible to enroll in Medicare benefits.

    1. Begins 3 months before the month you turn 65
    2. Includes the month you turn 65
    3. Ends 3 months after the month you turn 6
  • This is the best time to make decisions because:

    1. Avoid Part B and Part D late enrollment penalty
    2. Medigap plans are guaranteed issue with no underwriting

Starts October 15th – December 7th

There are Special Enrollment Periods for qualifying events. During these enrollment periods you can enroll in Medicare Advantage plans.

  1. Loss of health coverage
  2. Moving out of plan service area
  3. Leaving an employer group plan
  4. Chronic condition covered by a Special Needs Plan
  5. Dual eligible (Medicare and Medicaid)

Medicare Eligibility

  1. Turning 65

  2. Under 65

    You can become eligible for Medicare under 65 if you are receiving Social Security Disability Insurance (SSDI).

    In most cases, you qualify for Medicare if you have received more than 24 months of Social Security Disability checks (two year waiting period)

    Medicare Advantage

    You can enroll in a Medicare Advantage Plan during enrollment periods such as:

    • Your Initial Enrollment Period
    • Annual Enrollment Period
    • Special Enrollment Period

    You must have Part A and Part B to enroll

    Medigap Plans

    You can enroll in a Medigap policy year round.

    When turning 65 you have a Guaranteed Issue which means:

    • No Underwriting
    • Can't charge you more for a Medigap policy because of past or present health problems