Medicare Blog

medicare initial open enroll how to

by Nayeli Blick PhD Published 2 years ago Updated 1 year ago
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You can also enroll these ways: Visit or phone your nearest Social Security office

Social Security Administration

The United States Social Security Administration is an independent agency of the U.S. federal government that administers Social Security, a social insurance program consisting of retirement, disability, and survivors' benefits. To qualify for most of these benefits, most workers pay Social …

. Call the SSA national office at 800-772-1213. Send the SSA a signed, dated letter that includes your Social Security number and the date you’d like Medicare enrollment to start.

When you first become eligible for Medicare, you can join a plan. Open Enrollment Period. From October 15 – December 7 each year, you can join, switch, or drop a plan. Your coverage will begin on January 1 (as long as the plan gets your request by December 7).

Full Answer

When's the Medicare open enrollment period?

When’s the Medicare Open Enrollment Period? Every year, Medicare’s open enrollment period is October 15 - December 7. What’s the Medicare Open Enrollment Period? Medicare health and drug plans can make changes each year—things like cost, coverage, and what providers and pharmacies are in their networks.

How do I enroll in Medicare?

You will not need to do anything to enroll in Medicare. Your Medicare card will be mailed to you about 3 months before your Medicare entitlement date. (Note: If you are under age 65 and have Lou Gehrig's disease (ALS), you get your Medicare benefits the first month you get disability benefits from Social Security or the Railroad Retirement Board.)

How can I help others with Medicare open enrollment?

We have outreach and media materials for English-speaking, Spanish-speaking, and other audiences that can help you to help others with Medicare open enrollment.

When can I sign up for Medicare Part A?

You can sign up for Part A any time after you turn 65. Your Part A coverage starts 6 months back from when you sign up or when you apply for benefits from Social Security (or the Railroad Retirement Board). Coverage can’t start earlier than the month you turned 65. I have a Health Savings Account (HSA).

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How do you initially apply for Medicare?

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 is the initial open enrollment period for Medicare?

Your first chance to sign up (Initial Enrollment Period) This is called your Initial Enrollment Period. It lasts for 7 months, starting 3 months before you turn 65, and ending 3 months after the month you turn 65. My birthday is on the first of the month.

What is the process of enrolling in Medicare?

You can do so online through an application on the Social Security website or by mail. Print out and complete CMS 40B Form Application for Enrollment in Medicare - Part B (Medical Insurance). Provide any required proof of employment or group health plan coverage on your 40B form.

What does open enrollment mean for Medicare?

Fall Open Enrollment is the time of year when you can change your Medicare coverage. You can: Join a new Medicare Advantage Plan or stand-alone prescription drug plan (Part D) plan. Switch between Original Medicare with or without a Part D plan and Medicare Advantage.

What is initial enrollment period?

Initial Enrollment Period – a 7-month period when someone is first eligible for Medicare. For those eligible due to age, this period begins 3 months before they turn 65, includes the month they turn 65, and ends 3 months after they turn 65.

What documents do I need to apply for Medicare?

What documents do I need to enroll in Medicare?your Social Security number.your date and place of birth.your citizenship status.the name and Social Security number of your current spouse and any former spouses.the date and place of any marriages or divorces you've had.More items...

What are the four steps for Medicare?

There are four parts of Medicare: Part A, Part B, Part C, and Part D.Part A provides inpatient/hospital coverage.Part B provides outpatient/medical coverage.Part C offers an alternate way to receive your Medicare benefits (see below for more information).Part D provides prescription drug coverage.

Will I automatically be enrolled in Medicare?

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.)

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.

What is the difference between Medicare open enrollment and general enrollment?

“Medicare Open Enrollment” doesn't generally refer to Original Medicare. You generally can sign up for Medicare Part A and/or Part B: During your Medicare Initial Enrollment Period, when you're first eligible for Medicare. During the Medicare General Enrollment Period, which runs from January 1 – March 31 every year.

What is the difference between Medicare annual enrollment and open enrollment?

Medicare Annual Enrollment is when anyone who has Medicare can make coverage changes for the upcoming year, while Medicare Advantage Open Enrollment is only for people who are currently enrolled in a Medicare Advantage plan.

What is the point of open enrollment?

Why do we have an open enrollment period? The open enrollment period was put into place to discourage adverse selection – which happens when sick people sign up for health insurance and healthy people don't. It greatly skews the amount of financial risk a health plan takes when insuring customers.

Medicare basics

Start here. Learn the parts of Medicare, how it works, and what it costs.

Sign up

First, you’ll sign up for Parts A and B. Find out when and how to sign up, and when coverage starts.

When can people get information about next year’s Medicare plans?

Information for next year’s plans will be available beginning in October.

When does Medicare change plans?

Medicare health and drug plans can make changes each year—things like cost, coverage, and what providers and pharmacies are in their networks. October 15 to December 7 is when all people with Medicare can change their Medicare health plans and prescription drug coverage for the following year to better meet their needs.

How do people know if they need to change plans?

People in a Medicare health or prescription drug plan should always review the materials their plans send them, like the “Evidence of Coverage” (EOC) and “Annual Notice of Change” (ANOC). If their plans are changing, they should make sure their plans will still meet their needs for the following year. If they’re satisfied that their current plans will meet their needs for next year and it’s still being offered, they don’t need to do anything.

Check when to sign up

Answer a few questions to find out when you can sign up for Part A and Part B based on your situation.

When coverage starts

The date your Part A and Part B coverage will start depends on when you sign up.

When do you get Medicare if you have Social Security?

If you already get benefits from Social Security or the Railroad Retirement Board, you are automatically entitled to Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) starting the first day of the month you turn age 65. You will not need to do anything to enroll.

What is the Medicare eligibility tool?

The Medicare.gov Web site also has a tool to help you determine if you are eligibile for Medicare and when you can enroll. It is called the Medicare Eligibility Tool.

When is Medicare Open Enrollment?

Medicare Open Enrollment occurs annually in the fall from October 15 through December 7. Changes made during this period become effective the following year on January 1.

How Do You Enroll in Medicare?

Social Security enrolls you in Original Medicare.

How Do You Pick or Change Medicare Plans?

You may remember what it was like to choose an insurance plan through a previous employer or your state health exchange. You looked at your options for coverage; the cost of monthly premiums, deductibles, co-pays, and other potential out-of-pocket expenses; your prescription drug coverage; and your anticipated health care needs in the coming year.

How to choose a Medicare Advantage Plan?

Whether you choose a Medicare Advantage Plan with drug coverage or Original Medicare plus a prescription drug coverage plan, you will make a list of your current medications. As you review plan options, anticipate how health care costs fit into your budget.

What happens if you enroll in a new Medicare Advantage plan?

If you enroll in a new Medicare Advantage or drug plan, you will automatically be disenrolled from your old plan when your new coverage starts.

What is the right Medicare plan for me?

The right plan for you is the one that offers what is most important to you . For instance, if you don’t typically need much health care and are open to seeing only in-network providers when you need care, you may choose a zero-premium Medicare Advantage Plan. If you access your health care frequently and want to have your choice of providers, you may choose a Medigap plan with a monthly premium, so you know that most of your Original Medicare out-of-pocket expenses will be covered.

How long do you have to switch Medicare if you move?

Depending on when you tell your plan that you moved, you will have at least two months to make the switch.

How long do you have to sign up for a health insurance plan?

You also have 8 months to sign up after you or your spouse (or your family member if you’re disabled) stop working or you lose group health plan coverage (whichever happens first).

When does Part A coverage start?

If you qualify for Premium-free Part A: Your Part A coverage starts the month you turn 65. (If your birthday is on the first of the month, coverage starts the month before you turn 65.)

When does insurance start?

Generally, coverage starts the month after you sign up.

What is a health plan?

In general, a health plan offered by an employer or employee organization that provides health coverage to employees and their families.

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