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How to Sign Up: A Guide to Medicare Enrollment

When you can enroll for health coverage, the best ways to do it and how to avoid penalties

Medicare enrollment form and glasses

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En español | Turning 65 is the trigger point for the vast majority of Americans to enroll in Medicare. Since the Social Security Administration (SSA) handles enrollments, you will typically sign up at the Social Security office nearest you or online at SSA.gov. Failing to enroll in Medicare on time could cost you, so pay attention to the various enrollment options outlined below to keep from getting hit with a penalty for missing the sign-up window.

Here are the most important things you need to know about when and how to enroll in this federal health insurance program.

Turning 65

This milestone birthday sets the stage for your initial enrollment period (IEP) during which you can enroll in Medicare without fear of facing a penalty for signing up too late. Your IEP lasts for seven months: The three months before your birthday month, your birthday month, and the three months after. So, say your birthday is June 15, you'll have from March 1 until September 30 to enroll.

If you neglect to sign up during your IEP, you will get another chance to sign up during Medicare's annual general enrollment period. This lasts from January 1 through March 31 of each year. But be careful. If you enroll during that window, your coverage won't begin until July. And because you are enrolling late, your monthly premiums for Medicare Part B, which covers doctor visits and other outpatient services, will likely be higher.

If you started receiving Social Security benefits before age 65, when you turn 65 you will automatically be enrolled in Medicare Part A (which covers hospitalizations) and Part B. Your monthly premium will automatically be deducted from your monthly Social Security payment.

Note that some people younger than 65 can qualify for Medicare if they receive certain disability benefits or have a specific condition such as end-stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS), also known as Lou Gehrig's disease.

What if you already have health insurance?

Even if you are turning 65 you may not have to enroll in Medicare. Here are circumstances under which you can delay enrolling and not face any late penalties.

  • You are still working and have comprehensive health insurance through your employer.
  • Your spouse is working and you are covered under her or his health insurance.

Even if you have employer-based insurance, your company may require that you enroll in Medicare Parts A and B and your work insurance becomes a secondary program that fills gaps in Medicare coverage. You should check with your employer to be sure.

NEW IN 2020

Enrolling during coronavirus

During the pandemic, the Social Security Administration, which handles Medicare enrollment, has temporarily closed its local offices. People who want to sign up for the program will have to do so online at ssa.gov. The Medicare hotline at 800-633-4227 is still open to handle critical issues but not new applicants.

Keep in mind that not all health insurance coverage is created equal. Here are some scenarios under which you may have health coverage but still need to sign up for Medicare when you turn 65.

  • You get your coverage through the Affordable Care Act's (ACA) health insurance marketplace. Under the ACA, once you turn 65 you must transition from an ACA plan to Medicare.
  • You have COBRA. If you lost your job and signed up for COBRA to extend your employer's health coverage, this does not protect you against late penalties for not signing up for Medicare.
  • You are covered under TRICARE. This program for retired military members is considered secondary coverage. This means that you must enroll in Medicare when you are eligible and then TRICARE will fill in the gaps for some services that Medicare doesn't cover.
  • You have a retiree health plan. These programs also are designed to fill in gaps that Medicare doesn't cover. They don't substitute for Medicare, and the rules say you still need to enroll in that program when you turn 65.

Even if you have qualifying health insurance that doesn't require you to sign up for Medicare at age 65, you can still elect to enroll in Medicare Part A. The vast majority of enrollees won't have to pay any premium for Part A, so enrolling will get you into the system and may make it easier for you to sign up for Part B when you are ready.

Late enrollment penalty

If you don't have the kind of health insurance that allows you to delay enrolling in Part B when you are first eligible, you will likely be subject to a late enrollment penalty. This penalty will increase your monthly Part B premium 10 percent for every 12 months you are late in enrolling. So the penalty increases the longer you go without Part B coverage. And you will have to pay that higher premium for as long as you have Medicare.

Open Enrollment Period

The open enrollment period for Medicare lasts from Oct. 15 to Dec. 7, but don't be misled. This is not the period for Americans to enroll in Medicare for the first time (unless, of course, the time frame just happens to overlap with your initial enrollment period when you turn 65). The open enrollment period is a window for people who already have Medicare to review their coverage and decide whether to make any changes, for example switching their Part D prescription drug plan or moving from one Medicare option to another.

Special Enrollment Period

You're over 65 and have been relying on health insurance through you or your spouse's job, but suddenly one of you is laid off or you just decide to retire. That will trigger a special enrollment period (SEP) during which you can sign up for Medicare and won't have to face any penalty for having delayed signing up for Part B. You'll have eight months after losing your insurance to enroll in Medicare without being subject to a Part B premium penalty. When you enroll you will be asked to provide a form from your or your spouse's employer to prove that you have had health insurance from the time you turned 65 until your insurance was dropped.

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