How Do I Sign Up For Medicare?

by admin on February 21, 2021

There are several different ways to qualify for coverage under Medicare. These requirements are for Hospital Insurance (Part A), Medical Insurance (Part B), and Prescription Drug Coverage (Part D).

Most people who are age 65 or older are eligible based on their own employment, or that of a spouse. You qualify for Medicare coverage if you are 65 or older and receive Social Security Retirement or Railroad Retirement benefits. If you do not have ten years of work (40 quarters of coverage) to qualify for Medicare on your own record, you can qualify on a spouse’s work if the spouse is at least 62 years old and meets the ten year work requirement on their own. The spouse can be a former spouse as long as the marriage lasted for ten years or longer.

If you are a Federal, State, or local government employee that did not pay into Social Security but paid into Medicare you will be eligible when you turn 65.

If you are under the age of 65 you can qualify for Medicare coverage early if you have already received Social Security Disability benefits for 24 months. You can also qualify if you have Lou Gehrig’s disease or End Stage Renal disease.

If you receive disability from Railroad Retirement you will be eligible for Medicare after the waiting period; for more information contact railroad retirement.

If you do not meet the eligibility requirements for Medicare you can still enroll by paying the monthly premiums. To sign up for Hospital Insurance under Medicare you will be required to enroll in the Medical Insurance as well. (Both Part A + Part B)

Premiums for Medicare A and B

In 2006 the monthly premium amounts are as follows:

Part A: $393 per month
Part B: $88.50


If you will be turning 65 and are not currently receiving Social Security you should call three months before your birthday to schedule an appointment to enroll in Medicare. If you are still working and are covered by a group health plan due to your employment (or your spouse’s employment) you have the option of declining the Part B coverage so you do not have to pay the $88.50 premium. If you are already receiving Social Security Retirement benefits your Medicare will start automatically on the 1st day of the month you turn 65; you do not need an appointment to enroll.

To enroll in Medicare, contact Social Security at 1-800-772-1214.


Medicare Part D: Extra Help with Drug Plan Costs

February 1, 2021

If you are one of the fortunate that has deciphered Medicare Part D and enrolled in a plan, you should apply for the extra help. The “Extra Help” is a subsidy Social Security will place on your record if you qualify. When you qualify for the extra help your out-of-pocket expenses will be greatly reduced. [...]

Read the full article →

Medicare for Dummies

January 22, 2021

Don’t be taken in by the title of this article; we are not implying that you are a dummy in any way. In fact, we are certain that you are an intelligent and savvy individual out to make sense of a confusing and poorly documented government health insurance program. With that said, here are the [...]

Read the full article →

Medicare for Disability

January 12, 2021

If you receive Social Security Disability benefits, you are eligible for Medicare coverage after 24 months of payment. The 24 month period begins from the date you first became entitled to Social Security Disability. If you are unsure of your entitlement date, it is found on the first award letter you received from Social Security. [...]

Read the full article →

Medicare Part D Enrollment Deadline

January 2, 2021

The Medicare Part D enrollment deadline is quickly approaching. You must enroll in a Medicare part D prescription drug plan before May 15th 2006. If you miss the May 15th deadline you face delays and possible penalties getting enrolled in a plan. Here is the easiest way to find the right prescription drug plan for [...]

Read the full article →
Page 1 of 212