Medicare Blog

making move from obamacare to medicare how do i do it

by Prof. Patrick VonRueden Jr. Published 3 years ago Updated 2 years ago

Answer To transition from ObamaCare to Medicare you'll simply want to cancel your ObamaCare plan so it ends when your Medicare coverage starts.

Full Answer

Can I transition from Obamacare to Medicare?

Oct 05, 2021 · If you’re enrolled in a plan through, you can follow these directions for canceling your exchange plan so you can transition to Medicare. Or you can remove only yourself from the policy if you have other family members who need to stay on the exchange plan.

What happens to my Medicare Advantage plan if I move?

If you’re enrolled in a plan through, you can follow these directions for canceling your exchange plan so you can transition to Medicare. Or you can remove only yourself from the policy if you have other family members who need to stay on the exchange plan.

How does Obamacare affect Medicare?

If you have an Obamacare policy and now qualify for Medicare as of January 1. What to do now? Answer To transition from ObamaCare to Medicare you'll simply want to cancel your ObamaCare plan so it ends when your Medicare coverage starts.

Can you get Obamacare if you are on Medicare?

Sep 21, 2016 · How do I go about switching from that plan to Medicare? A: If you sign up for Medicare during the first three months of your IEP, your coverage will begin on the first day of the fourth month. To enroll, call Social Security (which handles Medicare enrollment) at 800-772-1213 and schedule an appointment at your local Social Security office.


How long does it take to transition to Medicare?

Once Medicare eligibility begins, you'll have a 7 month Initial Enrollment Period to sign up. For most people, this is 3 months before, the month of, and 3 months after their 65th birthday.Jul 31, 2015

What is the best way to enroll in Medicare?

Ways to sign up: Online (at Social Security) – It's the easiest and fastest way to sign up and get any financial help you may need. (You'll need to create your secure my Social Security account to sign up for Medicare or apply for benefits.) Call Social Security at 1-800-772-1213. TTY users can call 1-800-325-0778.

What happens to a couples premium with one turning 65 and on the Affordable Care Act with a subsidy?

Individual market plans no longer terminate automatically when you turn 65. You can keep your individual market plan, but premium subsidies will terminate when you become eligible for premium-free Medicare Part A (there is some flexibility here, and the date the subsidy terminates will depend on when you enroll).Oct 5, 2021

Can you have Medicare and Obamacare?

Can I get a Marketplace plan in addition to Medicare? No. It's against the law for someone who knows that you have Medicare to sell you a Marketplace plan. This is true even if you have only Part A (Hospital Insurance) or only Part B (Medical Insurance).

How long before you turn 65 do you apply for Medicare?

3 monthsGenerally, you're first eligible starting 3 months before you turn 65 and ending 3 months after the month you turn 65. If you don't sign up for Part B when you're first eligible, you might have to wait to sign up and go months without coverage. You might also pay a monthly penalty for as long as you have Part B.

How do I enroll in Medicare for the first time?

Apply online (at Social Security) – This is the easiest and fastest way to sign up and get any financial help you may need. You'll need to create your secure my Social Security account to sign up for Medicare or apply for Social Security benefits online. Call 1-800-772-1213. TTY users can call 1-800-325-0778.

Can I stay on Obamacare instead of Medicare?

A: The law allows you to keep your plan if you want, instead of signing up for Medicare, but there are good reasons why you shouldn't. If you bought a Marketplace plan, the chances are very high that you do not have employer-based health care coverage.Sep 21, 2016

Are you automatically enrolled in Medicare if you are on Social Security?

Yes. If you are receiving benefits, the Social Security Administration will automatically sign you up at age 65 for parts A and B of Medicare. (Medicare is operated by the federal Centers for Medicare & Medicaid Services, but Social Security handles enrollment.)

Will I automatically be enrolled in Medicare?

Medicare will enroll you in Part B automatically. Your Medicare card will be mailed to you about 3 months before your 65th birthday. If you're not getting disability benefits and Medicare when you turn 65, you'll need to call or visit your local Social Security office, or call Social Security at 1-800-772-1213.

Is Medicare more expensive than Obamacare?

The average Medicare Supplement Insurance plan premium in 2019 was $125.93 per month. The average Obamacare benchmark premium in 2021 is $452 per month.Dec 6, 2021

Can you have Medicare and Humana at the same time?

People eligible for Medicare can get coverage through the federal government or through a private health insurance company like Humana. Like Medicaid, every Medicare plan is required by law to give the same basic benefits.

Does Medicare coverage start the month you turn 65?

For most people, Medicare coverage starts the first day of the month you turn 65. Some people delay enrollment and remain on an employer plan. Others may take premium-free Part A and delay Part B. If someone is on Social Security Disability for 24 months, they qualify for Medicare.

No automatic plan termination (and also no automatic transition to Medicare Advantage)

Prior to 2014, coverage in the individual market generally terminated automatically when an enrollee reached age 65. Age was a limiting factor for enrollment – people 65 and over typically could not obtain coverage in the individual market, nor could they keep it once they reached 65, even if they were not eligible for Medicare.

Exchange subsidies end with Medicare eligibility (but can last for a few additional months, depending on when you enroll)

You are not required to cancel your exchange plan when you enroll in Medicare, but if you’re getting premium subsidies, they’ll end when you become eligible for premium-free Medicare (with some flexibility in terms of the exact date for this, as described below).

No benefit to keeping exchange plan in addition to Medicare

In virtually all cases, keeping your exchange plan along with Medicare would be a waste of money. The plans would provide duplicate coverage, and individual market exchange plans are not set up to coordinate with Medicare the way employer-sponsored plans are. So your exchange plan would not function as secondary coverage.

When should you cancel your plan?

The standard advice is to avoid any gaps in coverage. So if your Medicare will start August 1, you would schedule your exchange plan to terminate July 31.

How to cancel a health insurance plan?

If you bought your Marketplace plan through the federal website at, you can cancel it in one of two ways: 1 By phone: Call the Marketplace Call Center at 800-318-2596 (TTY: 1-855-889-4325). 2 Online: Log into your Marketplace account. Follow the step-by-step instructions for plan cancellation provided on the Marketplace website under the heading, "If you're ending coverage for everyone on your plan." Even if you have no one else on your plan, you count as "everyone" in this context.

How to contact the Marketplace?

Marketplace Call Center at 800-318-2596 (TTY: 1-855-889-4325) for help with any Marketplace issues. Or go online to Social Security Administration at 800-772-1213 (TTY: 1-800-325-0778) for help with Medicare eligibility and enrollment issues. Or go online to

When does Medicare end?

For example, if Medicare will begin May 1, you will want your Marketplace coverage to end April 30. To make this transition, it's important to cancel your Marketplace policy at least 15 days before you want the coverage to end and to specify that you want it terminated on the final day of the month. (Medicare coverage always begins on the first day ...

Who is Patricia Barry?

Patricia Barry is a features editor for AARP Publications and the author of Medicare for Dummies, 2nd edition, September 2015. Experts from the Medicare Rights Center and AARP's Public Policy Institute contributed to the information in this article.

Is Medicare automatic?

You should know that this transition is not automatic. People approaching Medicare age will receive no official notification about how to make the change or when to do it. It's a new scenario ripe for mistakes, some of which can be costly for consumers. Medicare recently announced that it has begun sending notices to people who are both enrolled in ...

How to contact Medicare and Medicaid?

Or go online to Centers for Medicare & Medicaid Services at 800-633-4227 (TYY: 877-486-2048) for issues on Medicare coverage, Medicare Advantage plans and Part D drug plans. Or go online to

Can an employer have more than 20 employees?

But an employer with fewer than 20 employees is not bound by those laws. In this situation, the employer insurance may be primary or secondary to Medicare. If it's primary, you don't need to enroll in Medicare at 65 and can delay enrollment until the job ends.

When does Medicare enrollment end?

For most people, the Initial Enrollment Period starts 3 months before their 65th birthday and ends 3 months after their 65th birthday.

When does Medicare pay late enrollment penalty?

If you enroll in Medicare after your Initial Enrollment Period ends, you may have to pay a Part B late enrollment penalty for as long as you have Medicare. In addition, you can enroll in Medicare Part B (and Part A if you have to pay a premium for it) only during the Medicare general enrollment period (from January 1 to March 31 each year).

What are the Medicare cuts?

The Medicare cuts contained in the law were aimed at improving care by limiting fraud, waste, and abuse. The money saved from those cuts has been reinvested in Medicare and the ACA to improve care for seniors.

How many hospital readmissions were there in 2012?

During the last half of 2012, CMS reports that hospital readmissions dropped by 70,000 for the first time on record. By December 1st, 2013 the ACA’s (ObamaCare’s) Medicare reforms had already increased the quality of care and decreased costs.

Does Obamacare replace Medicare?

ObamaCare makes some changes to Medicare (discussed below), but the ACA (ObamaCare) doesn’t replace Medicare. Medicare isn’t part of your State’s health insurance marketplace (sometimes called an exchange), so if you have Medicare keep it.

What is the discount for Medicare Part D?

This means there’s a temporary limit on what the drug plan will cover for drugs. Seniors in the Medicare Part D “donut hole” can now get a 50% discount when buying Part D-covered brand-name prescription drugs and a 14% discount on generic drugs covered by Part D.

How much did Obamacare cut in 2022?

ObamaCare Medicare Cuts, Changes in Medicare Spending. Over the ten year period between 2013 and 2022, ObamaCare will cut Medicare by $716 billion and spend nearly that much trying to reform it. In fact, all money cut from Medicare must be used to increase Medicare solvency, improve its services, or reduce premiums.

Does Obamacare raise Medicare premiums?

The ACA (ObamaCare) doesn’t raise premiums for seniors. The AARP has predicted that it could hold the costs of Medicare Part B premiums down, if not lower them. The official formula for determining Medicare Part B premiums was established by Congress years ago and has not been negatively affected by the ACA (ObamaCare).

What is the purpose of the Independent Payment Advisory Board?

The purpose of the board is to oversee Medicare costs and to lower the per capita growth rate of Medicare spending.

What is Medicare Advantage?

Medicare Part D prescription drug plans. Medicare Part C , otherwise known as Medicare Advantage. Medicare Cost Plans (only available in a handful of states; relatively few people have coverage under these plans) Medicare SELECT, a special type of Medigap plan that uses a provider network.

How long do you have to notify Medicare about a move?

You can make this switch the month you move and up to two months after you move if you notify your current plan before you move. If you wait until after you move to tell your current plan about your change of address, you can switch plans that month and during the next two full months.

Who is Ashley Hall?

Ashley Hall is a writer and fact checker who has been published in multiple medical journals in the field of surgery. Learn about our editorial process. Ashley Hall. on December 07, 2020. Don't let Medicare get lost in the shuffle when you move. image ©Andrew Bret Wallis/Getty Images. Relocating can be a chaotic time.

Can you change your Medicare coverage if you move out of a nursing home?

If you’re moving into or out of a qualified institutional facility (like a nursing home, skilled nursing facility, psychiatric hospital, etc.) or living long-term in one , you'll find that you have quite a bit of flexibility in terms of making changes to your Medicare coverage.

What is Medicare Select?

Medicare SELECT, a special type of Medigap plan that uses a provider network. As of 2018, there were about 582,000 Medicare SELECT enrollees, versus a total of almost 14 million Medigap enrollees nationwide. 2 . If you have Medicare Part A and Medicare Part B, you need to notify the Social Security Administration of your change of address, ...

What to do if you change doctors?

If you change doctors, arrange to have your medical records transferred to the new doctor. Better yet, get copies from your current doctor, and hand deliver them to your new doctor. If need more information, Medicare’s helpline is 1-800-MEDICARE.

Can you change your network provider?

As a general rule, plans that require you to use a specific network of service providers and plans that differ from area to area will need to be changed if you’re moving out of the plan’s service area. Plans that don’t require you to use in-network providers might not need to be changed. However, the rules about whether or not you’re allowed to change plans, and if so, the timeframe in which you’re allowed to change the plan, are complicated.

What is the ACA?

The ACA is a sweeping series of laws that regulate the US health insurance industry. Medicare is a federal health insurance program for people 65 and older, as well as certain younger people with disabilities or medical conditions. There are several different types of Medicare coverage.

How many people will be covered by Medicare in 2021?

Medicare provides health insurance to nearly 63 million Americans in 2021. 1. Medicare is available to people who are at least 65 years old or younger Americans who have a qualifying disability, such as ALS (Lou Gehrig’s Disease) or End-Stage Renal Disease (ESRD).

Who is Christian Worstell?

Christian Worstell is a licensed insurance agent and a Senior Staff Writer for He is passionate about helping people navigate the complexities of Medicare and understand their coverage options. .. Read full bio

Is Obamacare the same as Medicare?

Are Obamacare and Medicare the Same Thing? Medicare and Obamacare are very different things. Compare Medicare and the Affordable Care Act (ACA) to learn the differences. The Affordable Care Act ( ACA, also commonly called Obamacare) and Medicare are two very different concepts. The ACA is a sweeping series of laws that regulate ...

What is the difference between Medicare and Medicaid?

Medicare, which is a federally-funded health insurance program for adults over age 65 and some younger people with certain disabilities and medical conditions. Medicaid, which is a government health insurance program for people who have limited financial resources.

How much is Medicare Part A 2021?

Medicare#N#Most people receive premium-free Medicare Part A. The standard premium for Part B is $148.50 per month in 2021.#N#There are other 2021 costs you may face with Medicare Part A and Part B, such as deductibles, coinsurance and copayments.

Does Medicare Advantage cover vision?

Many Medicare Advantage plans offer additional benefits that may include routine dental and vision care, as well as prescription drug coverage, all of which are not covered by Original Medicare. Medicare Part D. Medicare Part D plans provide coverage for certain prescription drugs.

What is the individual mandate?

Known as the “individual mandate,” it played an important role in the funding and ongoing sustainability of Obamacare. Fortunately, if you had Medicare Part A, then you met the individual mandate requirement up until this year, and you didn’t need to do anything else to prove your compliance.

How does Obamacare help people?

In many ways, the Affordable Care Act improves the standard of care that those with insurance receive. And, it helps to prevent the spread of diseases and other medical conditions to people without insurance. Medicare beneficiaries, in particular, gain valuable advantages, like being able to afford brand name prescription drugs or getting yearly colonoscopies to detect early forms of cancer. Obamacare seeks to help people stay healthier for longer by making better coverage an affordable option; this goal extends to Medicare beneficiaries. And despite the emphasis on better medical treatments and prevention, the new standard of healthcare doesn’t affect how you sign up for or receive your Medicare benefits.

When did the Affordable Care Act change?

The Affordable Care Act (ACA), also known as Obamacare, made significant changes to the healthcare industry in the United States starting in 2010. Several of these changes centered on the social insurance policy of Medicare, including the way that Medicare is administered and distributed. Sorting through Medicare policies can be challenging enough, ...

Does Obamacare affect Medicare?

One of the biggest concerns among Medicare beneficiaries is that Obamacare will alter their existing coverage, so that they won’t enjoy the same benefits as before. In reality, the Affordable Care Act seeks to strengthen health insurance across the board, including Medicare.

What is a Medicare Part D coverage gap?

If you have Medicare Part D prescription coverage, then you may be familiar with the concept of the coverage gap or “donut hole.” The coverage gap happens when a person reaches the limit for covered prescriptions, but has to wait until he gets to the other side of the “donut” or coverage period to get covered prescriptions again.

Will Medicare premiums rise?

However, Medicare premiums are not expected to rise significantly as a result of the Affordable Care Act. You will probably find that you pay the same amount for your health insurance as you did prior to the implementation of Obamacare. As mentioned above, we’ll discuss the change in premiums in a later section.

Is the Medicare donut hole closed?

Each year, the amount that you have to pay for prescriptions while you’re in the coverage gap will decrease. By 2020, the Medicare donut hole will be closed for all intents and purposes. In fact, the donut hole has closed for brand name drugs as of 2019, a full year earlier than anticipated.

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