Initial Enrollment Period at 65 Years of Retirement Age:
The right time for anyone that will not have health coverage from active employment after you turn 65 even if you get retiree benefits or COBRA coverage. The initial enrollment period lasts for seven months, with the fourth month usually being the one in which you turn 65. Take for example, if your 65th birthday is in June, your IEP begins March 1 and ends Sept. 30. However, if your 65th birthday falls on the first day of the month, your whole IEP moves forward. In this case, if your birthday is June 1, your IEP begins Feb. 1 and ends Aug. 31.
Initial Enrollment Period under Age 65:
In as much as you qualify for Medicare through disability, the fourth month of your IEP is usually the one in which you receive your 25th disability payment. The people at Social Security will let you know when your Medicare coverage starts. You get a second seven-month IEP when you turn 65 and become eligible for Medicare based on age instead of disability but your coverage continues automatically, without you having to reapply.
Special Enrollment Period:
For those who delayed health care enrollment when sixty five as a result of you had insurance and you are still actively operating. The special enrollment period allows you to sign up for Medicare without risking late penalties at any time before this employment period ends and for up to eight months afterward.
However, a small employer with 20 workers or less can legally require you to sign up for Medicare at age 65 as a condition for continuing to cover you under the employer health plan. In which case, Medicare becomes your primary insurance and the employer plan is secondary. This decision is up to the employer, so you need to check it out before you turn 65.
How to Manually Sign Up For Original Medicare
If you are not getting retirement benefits yet, you will need to sign up manually for Medicare Part A or Part B through Social Security or the Railroad Retirement Board.
- Visit the social security website. You can apply for Medicare only if you are not yet ready to receive retirement benefits.
- You can call Social Security or apply in person at your local Social Security office.
- If you are an employee of a railroad, you can apply for Medicare through the Railroad Retirement Board.
Automatic Enrollment for Original Medicare
Initial enrollment in original medicare Part A and/or Part B, occurs automatically if you are turning 65 and already getting Social Security or Railroad Retirement Benefits (RRB) benefits or will start collecting retirement at age 65.
You have to sign up for Medicare Part B at the time that you apply for retirement benefits, and Medicare Part A enrollment occurs automatically if you are eligible for Social Security retirement. A Medicare card will be mailed out about three months before your 65th birthday.
Medicare Part B comes with a monthly premium payment, while most people get Part A premium-free as long as they have worked at least 10 years or 40 quarters and paid Medicare taxes.
Note that if you do not sign up for Medicare Part B when you are first eligible and sign up later, you may have to pay a late enrollment penalty for the duration that you have Medicare. For beneficiaries who delayed their Medicare Part B enrollment because of coverage under a current employer, you will be able to qualify for a Special Enrollment Period when this group coverage ends and will not have to be subjected to the penalty.
Medicare enrollment are going to be done automatically if the person has been entitled to bound Social Security and Railroad Retirement Board incapacity advantages for a minimum of twenty four months. A Medicare card will be mailed out about three months before the 25th month of disability benefits.
A participant that has ALS amyotrophic lateral induration can mechanically be registered in Medicare A and B beginning within the month that their incapacity advantages begin.
You also qualify if you have end-stage renal disease (ESRD).
In summary, a person can sign up for Medicare through social security or rail road retirement board even when you are not yet qualified for retirement benefits. At 65 years of age and already getting social security or RRB, there is an automatic enrollment for Medicare.