If you’re new to Medicare or already have experience with Medicare, it’s important for you to:
• Understand your Medicare coverage options. There are 2 main ways to get your Medicare coverage — original Medicare (Part A and Part B) and Medicare Advantage.
• Find out how and when you can enroll. There may be penalties if you don’t enroll when you’re first eligible. If you have other health insurance, find out how your other insurance works with Medicare.
Will I get Part A and Part B automatically?
If you’re already getting benefits from Social Security or the Railroad Retirement Board (RRB), you’ll automatically get Part A and Part B starting the first day of the month you turn 65. (If your birthday is on the first day of the month, Part A and Part B will start the first day of the prior month.) If you’re under 65 and have a disability, you’ll automatically get Part A and Part B after you get disability benefits from Social Security or certain disability benefits from the RRB for 24 months.
If you have ALS (amyotrophic lateral sclerosis, also called Lou Gehrig’s disease), you’ll get Part A and Part B automatically the month your Social Security disability benefits begin. If you’re automatically enrolled, you’ll get your red, white, and blue Medicare card in the mail 3 months before your 65th birthday or 25th
month of disability benefits, and you don’t need to pay a premium for Part A Most people choose to keep Part B. If you don’t want Part B, let us know before the coverage start date on your Medicare card. If you do nothing, you’ll keep Part B and will have to pay Part B premiums through your Social Security benefits. If you choose not to keep Part B but decide you want it later, you may have to wait to enroll and pay a penalty for as long as you have Part B.
Want to find out more about available Medicare Plans? Call or use our online contact form to request an in-home appointment to get your questions answered.
