How to Enroll in Medicare Online (2024)
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- เผยแพร่เมื่อ 19 มิ.ย. 2024
- Time Stamps:
0:31 - Assumptions/Notes
2:18 - Accessing Medicare application on SSA.gov
3:32 - Login to your SSA.gov account
4:04 - The Application (Information About Applicant)
4:25 - The Application (Contact Information)
4:35 - The Application (Birth & Citizenship Information)
4:52 - The Application (Medicare Only Question)
6:03 - The Application (Re-Entry Number)
6:28 - The Application (Do You Want Part B?)
7:00 - The Application (Are You Covered Under a Group Health Plan?)
8:23 - The Application (Remarks)
9:09 - The Application (Review Application & Submit)
9:28 - The Application (View & Print Your Receipt)
9:40 - Confirmation Email from Social Security
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For more details on this online enrollment, especially during your Initial Enrollment Period, go to our website at www.medicaremindset.com/iep
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Reference Videos:
How to Create a My Social Security Account -- • How to Create a My Soc...
How to Enroll in Medicare After Age 65 -- • How to Enroll in Medic...
How to Enroll in Medicare on Your Spouse's Work Record -- • How to Enroll in Medic...
How to Use Your My Social Security Account (when on Medicare) -- • How to Use Your My Soc...
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Medicare Mindset LLC is an independent insurance agency specializing in Medicare Health Insurance planning. We offer guidance, strategies, and insurance enrollment help from start to finish.
www.medicaremindset.com
medicaremindset
www.linkedin.com/company/medicaremindset
/ medicaremindset
As a physician, I can tell you that your video has been extremely useful and made the entire process straightforward. It is, as of 6/13/2024, 99.9% accurate. Still very usable and informative for those of us who continue to work after age 65. Thank you.
We're glad to hear you find our video content helpful. We try to be as accurate as possible. Sometimes Social Security changes the application questions or the look of the SSA website...but you're right, this video is still accurate. 😀
Greetings Andy,
Prior to watching your video, I called Medicare, and after being placed on hold for over an hour, I spoke with a representative and asked if he could assist me with signing up for Medicare part A, as I will be turning 65 in a few months, and I’m still working.
The representative said I didn’t need to do anything at this time, but if I wanted to sign up for Medicare, I could apply online
and was directed to the SS website.
Afterwards, I attempted to enroll on the Medicare website, but paused half way through the application process because the questions became extremely confusing.
Now, fast forward to your excellent video, which btw provided a clear and concise tutorial to help me navigate through the poorly written language, allowing me to successfully sign up for Medicare part A.
Thank you for your research, and using your platform to share this needed information.
God Bless you!
Great Video! Your detailed explanation was spot on! Thank you!
Great step by step video. Thank you so much!
Another excellent video. Thank you so much.
Thank you! This was very helpful and easy to understand.
Thank you for answering my questions right away they were truly beneficial in finishing my Medicare application.
This was very helpful. Thanks so much for showing this.
Oh my gosh! Thank you so much! You really took the "terrifying" out of applying for Medicare!!
Very helpful and THANK YOU!
Thank you! Very clear and helpful advice.
The best educational video on You tube. I was so confused and this video made me so clear of process. 😊
Very glad to hear this!
Thank you so very much for taking the time to post this video. Greatly appreciated!!!
You bet! :)
Thank you Andy! You are an asset to your profession. You made my day and put my fears to rest.
So happy to hear this! 😄
By far the best video I have seen, and it is current!! Thank you!
Great! Yeah, other than the website's main page looking a little different now, the application itself is basically the same now as it was when we shot this video. Glad you found it helpful. 😀
Terrific video! Thank you for going through the application process question by question. That's the help I was looking for and didn't find in other videos.
Matthew - Glad you found the video helpful! :)
Great video. I suggest adding a comment about what happens if you answer NO to the question: "Are you covered under a Group Health Plan through your own current employment?" at 7:54. When I read "your own current employment" I was concerned for my wife, whom is covered only by my Group Health Plan (she does not have one of her "own"). The video moves on quickly by answering yes. If one answers "NO", a follow-up question appears: Are you covered by someone else's Group Health Plan? (paraphrase). If you answer "YES" to that question, then the process moves along in the same manner as if you had answered "YES" at 7:54. So it's not a huge thing, but it would be nice to see the effect of answering either "YES" or "NO", as was done elsewhere in the video.
Thanks for your feedback. I agree...this is a spot that I wish I would've spent more time on, as people seem to over-think these questions.
We will be coming out with a ne video in the next few months that shows how to do a Social Security and Medicare application online at the same time. I made sure to go through more on this part of the application. Thanks. :)
Very helpful. Thank you!
This was spot on. Thank you!
Thank you Andy, you make so easy my medicare enroll, free of mistakes.
So great to hear this! :)
Thank your for this video! So very helpful!
EXCELLENT Video -- extremely helpful -- thank you!!
Happy to hear this!
Very good video, easy to follow! ... thanks
Great! Glad you found it helpful.
GREAT video.....very helpful to get signed up....thanks!
Very happy to hear this!
Very informative video - thank you and keep them coming
Great!
Extremely like the video, man. Very helpful and informative. Thank you very much. It is presented so well too. Great, positive work.
Thanks! Glad you found it helpful.
excellent video!
the best tutorial video I've watched!
very simple to understand!
thank you very much for explaining the poorly worded questions like enrolling for medicare only and group health insurance!
thank you!
thank you!
thank you!
So glad to hear this! Thanks.
Thank You Andy! It was easy and you clarified a couple things so I didn’t make any mistakes.
I had to do it on my mobile phone because PC keyboard has bad keys but I zoomed a little and everything went through successfully.This was a great video 👏
Great! And great job getting it done on a mobile phone. That is not an easy task! :)
Very helpful, esp explanation for Group Health- ie ACA is NOT GH
Thank you Andy, this video is helpful in applying first time Medicare insurance..
Glad to hear this!
This is the first Medicare video I watched that explained why part A wasn't listed on the application, well done sir.
👏👍👍👍
Thank you - you made this easy
Great! So glad to hear this!
Thank you so much, this is very helpful and just complete my Medicare watching your video, again thank you so much easy step by step instruction.
Great! I'm always happy to help another ANDY! 😄
Very nice! Thank you very much
Awesome! Glad you found the video helpful. :)
Great video, a huge help. Thank you
Great to hear!
Thank you so much!!! I was very overwhelmed with where to start with this process and you guided me to complete it in 15 min. I am so grateful for your help and expertise!!!
I'm so happy to hear this! Glad the video was helpful. :o)
This is the best of the best. thank you.
Great to hear! Thanks!
So helpful. I went to a webinar and also talked with a Medicare expert and neither was as helpful as this. Thanks!
Great to hear you found our video helpful. 🙂
Thank you for your video. It explained the steps so well that I played it while completing the steps with my application today.
Wonderful to hear! We're glad the video was helpful. 😀
Thanks! It went just like you stated..✌️
Awesome!
Thank you very much for best video and all information we need to fill out Medicare for first time.
You made it easy and understandable,
And step by step, giving the correct information🙏🙏🙏🙏🙏
Glad to hear our video was helpful!
video made the step by step application process so much easier especially the explanations of potential problematic sections arising from terminology/wording issues. I give this video 👍👍👍👍👍👍👍👍👍👍 Thank you!!!
Thanks for the kind words! We're glad you found value in the video.
Thank you. Very well done!
Glad to hear this was helpful. 😀
THANK YOU! I was concerned about Group Coverage dates since I will continue working past 65.I am confident now.
You're welcome. Happy to hear the video was helpful.
Thank you so much
Dear Andy, you are hands down the Best Medicare step by step Instructor that I have experienced!!!!! I will tell everyone to review your video when signing up for Medicare!!!! Thank you so much ! 😊😊😊😊
God Bless you!!!!
Netta
Arnetta - I'm SO happy to hear this! 😀
Very Helpful Thank You
Glad you found value in the video. 😀
Excellent video.❤
Glad you liked it!
Thanks for the video. I literally ran the video as a filled out the online application side by side.
Awesome! 😀
I did too!!!!!!!!!!!!
Thanks! the detailed separation of employment based insurance versus retirement based insurance was right in my situation. I would have put it as employment based even though we are retired.
Glad it was helpful.
This video was incredibly helpful! I really appreciated the walk through! I had the same question as JoyFul Living about the mechanics of paying for the Part B and appreciate your responses there too! Maybe a video about the different payment options would be good. And the easy pay form...is that online too?
Barb - Thank you for your comments and suggestions. We love to hear ideas on different videos. I agree...a video on the different ways to pay Medicare premiums would be good. We'll get on that in 2023.
The form to pay Medicare premiums via EFT auto bank draft out of your checking account is called the "Easy Pay Form". Officially it's called Form SF-5510: Authorization Agreement for Pre-Authorized Payments. It can be accessed at this link: www.medicare.gov/basics/costs/pay-premiums
We just recently filmed a video on how to access the most popular Medicare and Social Security forms, so be on the lookout for that one soon after we finished the editing. Please subscribe and click the bell icon to be alerted about our new video uploads.
Again, thanks for your feedback! :o)
Thank you!
Awesome video. Thank you very kindly!
Glad you found the video helpful!!
@@andystamas The video production is very clean and it's obvious you put a lot of time into doing it right.
@@davidfolts5893 :)
You explained (with your 2 videos)better than any others I saw on how to apply for Medicare after age 65. Thank you SO much. I finally felt comfortable submitting my application.
@@maggie9256 I’m so happy to hear this! :o)
Excellent presentation. What about form L564, and form 40b for verifying employment and previous group health insurance dates? Just upload them? Ty
I completed this today. The screen no longer has the pictures, from what I saw, so I just wen to "Sign up for Medicare." The rest was just as you said, except they did not ask for the 40 quarters of employment history. I went back and checked. They just wanted the employer through whom I have my company sponsored health insurance. I want to thank you for this video; it was very helpful and reassuring.
Glad to hear the video was helpful.
They don’t ask about the 40 quarters. We simply mentioned that in the beginning so folks no whether they are even eligible to submit an online application.
Take care! 😀
Great video
Glad you found it helpful!
Standing ovation
So glad you found the video helpful!
Thanks for clarifying the poorly worded questions on the application.
Yeah, it drives me nuts they haven't changed this. Instead, they should ask "Do you also want to enroll in Social Security benefits? Yes/No" No one would have issues with that question.
Good video! If I apply online, will I be able to access an image of my Medicare card before I receive the card in the mail (or the information from the card)? If so, when? My vendor for supplemental insurance wants to know the medicare member number and my name as it appears on the card. I would like to have that information early to apply for insurance.
Great video. Would you select NO under GHP question if you are NOT employed but currently covered under spouse COBRA GHP?
Correct. Thats not based on current employment.
When applying online for Medicare only, when checking the box yes for being disabled, the application starts asking questions about being self employed, do I plan to work in 2022 or 2023. I'm not applying for ssdi just for Medicare so I'm wondering why the questions, and I'm afraid to continue because it's starting to appear I'm applying for ss. Should I go back and change the answer to no and apply for ssdi at another time? I'm not ready to start that process but I do need to apply for Medicare Parts A and B.
Hi great video. Thanks. So when you get your letter in the mail and your card does it give you options in how to pay if you’re not taking your SS yet.
Or do they send you a bill for 3 months and the choices to pay on that? What’s your recommendation on how to pay? I heard you won’t want to miss a payment, and with the slow mail at times that might not be best.
Thanks for your answers!!
Hi there. You can pay this premium a couple different ways:
- Write a check and mail it
- Write in a credit card on the payment slip (credit card or HSA debit card) and mail it
- Setup an account on medicare.gov and make payment electronically
- Or setup automatic payment via the EasyPay form (form SF-5510), which auto drafts the premium from your checking account monthly
@@MedicareMindset
What do you recommend as the safest? Also so I never forget! Thanks for your help! Kaye
@@joyfulliving5157 Well, I guess it depends on what you mean by the "safest". Haha! Paying by mail and paying online both have their issues, so I say do what is most convenient to you. What best fits your typical payment style. :o)
@@MedicareMindset lol you’re right! Thanks much.
Outstanding video. I will be 65, January 27, 2023. I just completed the application based on your video. I have not submitted the application yet because I have two questions. (I'm Currently Employed)
1. Is it too early to submit the application?
2. How do I get Part C?
John - Thanks for reaching out. I'm glad to hear the video was helpful. To your questions:
1.) No, it's not too early. You can submit the application in the 4 months leading up to your birthday month.
2.) Once you have confirmation that your Part A & Part B are active for 1/1/23 (and you have your Medicare #, which is on your Medicare card)...you can enroll in a Medicare Advantage (Part C) plan...if that's the plan type you decided on.
Also, you mention you're still employed. If the employer has 20+ employees, the plan doesn't cost you too much, and the coverage is great...then you don't have to leave your employer plan.
So did you enroll in Part A only, or both Part A & B?
Good video with excellent explanations for the poorly worded questions. I'll be signing up for Medicare & SS to start in a few months. Any videos specific to that so I make sure I get the SS income amount for age 65? and so that I can have the Medicare directly taken out of my SS? I have insurance that ends on my 65th birthday, assume I'll answer that I no longer have a group insurance since it will be gone. Thank you!
Thanks, Donna! Glad you found the video helpful.
If you also start SS retirement income, your Medicare Part B will automatically be deducted from your SS retirement check.
For the employer group coverage question, answer it based on what's true today when you're filing out the application. But really the answers you put for that question won't matter, as you're turning 65...it's irrelevant.
@@MedicareMindset Appreciate the quick reply! The comment section will be good to let them know what amount I'm expecting (age 65 amt vs. lower @ 64). Sounds like the order of applying is SS, Medicare A/B & lastly Medicare Advantage (through them). Appreciate all the information~
@@DonnaCasey-ij8ep Yeah, you can definitely add a note in the Remarks section, if you feel it's helpful.
And you are right...If you're enrolling in Social Security and Medicare at the same time, the SSA site will take you through the retirement benefits portion first, then Medicare A & B. After you get your Medicare card, then you can enroll in a Medicare Advantage plan...OR...Medigap plan and Part D plan. Take care. :)
Excellent video, one question though. You say one can initiate the online application 4 months before birthday, but isn't it actually 3 months? If someone has a 4/15/1959 birthday, everything I've read says 1/1/2024 is the earliest but you seem to be saying one could sign up December 2023. Perhaps I misunderstood you. Thanks again for the single best video out there for online medicare application.
Everything you hear will mention 3 months prior...but you can submit it in the 4 months prior to your birthday month. So the April 15th birthday example you gave can submit the application as early as December 1st 2023 for benefits to begin 4/1/24.
Glad you found the video helpful. 😄
Great video and extremely helpful...I am in the process of completing the initial medicate application today, May 2. If my employment ends on June30 and my insurance from employer ends August 31, do I answer yes to the question are you covered under group insurance since at this time while filling out application I am employed and insured? I believe I do and then click employment has not ended and health insurance has not ended. Is this correct if I want to be sure that I will start medicare A and B coverage in August when I turn 65.
Great! Yes, answer the employment question based on what is true today...that you're still employed and still covered on that group plan. Employment has not ended, and coverage has not ended at this moment.
Coverage will begin 8/1/23...assuming your bday is between Aug 2nd-31st. Then you can either drop off the group plan 8/1/23, since Medicare starts then...OR...have one month of overlap coverage and drop the group plan 9/1/23 and start supplemental coverage.
Fantastic video! I have a quick question. I turned 65 in March and have medical coverage with my employer through June 30, so I want Medicare to begin July 1. This is as late as I can sign up during my IEP. Can I apply in May and specify a start date of July 1 in the note section or must I postpone my application until June 1 to get a start date of July 1. I’m worried about not getting my Medicare card in time to enroll in MedSup and Part D drug plan.
In your case, the only way to get a 7/1/24 Part B start date, you would have to wait to submit the application until June. June is month 7 of your IEP, so enrolling that month will yield a 7/1/24 Part B start date.
Do you have Part A already? If so, just turn in Form 40B in early June at your local SSA office. Note: They often try to tell people they need form L564 also, but kindly remind them that you are still in your IEP, so Form L564 is not required.
If you don't have Part A yet, since it's already May right now...I would just wait until very early June to start and submit the application for A&B. Part A will backdate to 3/1/24 and Part B will automatically start 7/1/24. They will turn it around in time. But you'll likely need to get your Medicare # from your Benefit Verification Letter in your SSA account. You will see that much faster than the card will arrive by mail. I explain how to do that here: www.medicaremindset.com/proof
Let me know if you have any other questions. If you prefer, you can just email me at info@medicaremindset.com
Thanks for the great video. Have one question! I turn 65 Dec 15 this year, what is the first day I can sign up for Medicare only online? August 1?
Thanks. Yes, you can submit the application as early as August 1st for a December 1st start.
I am covered under a group health insurance plan from the employer that I retired from. If clicking yes to that question, it means "current employment", why does it ask for employment end date - that would not be current employment.
If you're covered on a group plan based on retirement, then you would answer NO to the very first question on that page and move forward. The sub-questions about start and end dates wouldn't even show up or be relevant in your situation.
@@MedicareMindset Thank you, this has been very helpful. I watched your video and read the "more info" after that question, and just like you said it refers to "currently employed" so I checked No as you mentioned. I also checked with my former employer HR office and they agreed with what you said.... so thank you, your video was great.
Hi! My mom is over 65, was employed and insured under employer until Feb. 5. We are trying to sign her up for Medicare only on the SSA website, but the system is forcing her to also apply for social security (which she does not want to do). Any tips on how to enroll in Medicare only? The screen shot in your video differs from the current options on the SSA website. Thank you so much for your input!
I figured it out. Since she didn’t sign up during her initial enrollment period when she turned 65, and open enrollment is closed, the system will not let her sign up for Medicare. But she qualifies under an SEP (due to her employment ending) so we need to manually fill out the forms and drop them at our local SSA office.
Excellent video. I am employed with health insurance. I will turn 65 in October. I want to begin Medicare on January 1st 2023. I assume that I state that in the Remarks box and I should be good to go ? I am retiring at the of the end of 2022. Thank You
Thanks, Dan! Have you started your application already? If so, you will get a 10/1/22 start date for Parts A & B. If you have NOT started the application, then don't do so until the month of November. November is the 5th month of your initial 7-month enrollment period in Medicare. Enrolling in month 5 automatically yields a 2-month delayed Part B start date...which is perfect in your case (1/1/23 start). But again, this will only work if you haven't started the application yet. If you can start and finish it in November, you'll get a 10/1/22 Part A start and a 1/1/23 Part B start.
Please read the details of this very topic on our website at www.medicaremindset.com/iep
Contact us at info@medicaremindset.com for further discussion specific to your situation.
Thank You Andy, I am getting ready to enroll and trying to do it right. I appreciate your response.
Okay, glad to hear you haven't started the application yet. So literally DO NOT start this until early November. Normally, you can leave the Remarks section blank, but it's a good idea in your case to make it clear that you understand your Part B will be delayed 2 months and start 1/1/23. So say something like this..."I understand that by submitting my application in November (month 5 of my Initial Enrollment Period), my Part B will be delayed 2 months and begin January 1st, 2023". Then the SSA rep who processes your enrollment knows you are aware of the delay.
The form was confusing when asked about current health care coverage and dates particularly when a spouse is covered by the other retired spouse health care plan. The comment section allows for clarification.
If existing coverage is a retiree plan (NOT based on CURRENT employment), then you simply answer NO to that section and get to skip all those questions about group health coverage. Go to the 7:00 mark where this is specifically mentioned. Don't overthink it.
Hello, I been trying to help my mom sign up for medicare, her birthday is Nov 6. When I go into the sign up under identification, there is no medicare information on the right hand side tab to pick apply for medicare. Is it too early to sign up? Does it matter or should I go in person?
If your mom is turning 65 in November 2022, then no it's not too early. She is definitely in her 7-month initial enrollment period (3 months before, month of bday, 3 months after). The application needs to be done at ssa.gov. I'm not sure where you're getting stuck in the process, though.
Does she have a SSA.gov account? That's required first
Did you click the Medicare square on the front page of www.ssa.gov?
Did you scroll down and click "Apply for Medicare Only"?
And did you start the application after that and subsequently logging into her SSA account?
If so, then you're in and good to complete the rest using our instructions from this video.
I am applying Medicare Question about group insurance I’m covered under my husband’s insurance because I don’t work anymore . when they ask about employment information are they talking about me or my husband s employment??
The questions apply to the employment that provides group health insurance...your husband's employment.
Not 65 yet, not enough work credits, not taking SS till 70. How to apply for A and B...SS denying ability to apply (able to pay for Medicare coverage).
Kari - Because you don't have the quarters, you can't enroll in Medicare online. You need to enroll by phone or in-person with SSA. Part A will be as high as $500/mo, though. But it will be no premium if you have a spouse who is age 62+ and they have the 40 quarters. You can also get Part B at the normal rate, like everyone else (based on income)...which starts at $164.90/mo this year.
Please re-watch the first two minutes of this video, as it mentions these items. Thanks! :)
It's not as easy as you make it seem. We were taken to a page that said "We're sorry. We cannot process your request." Now on hold with social security forever.
It's definitely frustrating when the SSA website is down or having issues. We certainly have no control over that. But the application part is quite simple.
@@andystamas we found out that you can only have one online application at a time and if you have a pending application for disability benefits you need a separate phone appointment for Medicare. Don't know if you knew that .
@@PaulVanDyke-zn1fh Gotcha. Yeah, that makes sense. An additional application would certainly confuse them and their systems, so I can understand that. Glad you got it figured out. 😄
I am receiving my SS at age 70. I have Plan A. I am still working until the end of July. I will be signing up for Plan B and getting Supplemental insurance. I'm still a little confused on what I need to do and when. Can I sign up for Plan B 4 months before July? I was told to use form CMS-40B for myself, and form CMS-L564 for my employment and just send them in. Is that all I need to do?
KWC - Thanks for your question...and congrats on your upcoming retirement! When you are within 3 months of your requested Part B start date, you can submit the forms. So if you need an 8/1/23 Part B start date, then in the early half of May, I would submit the completed form 40B and form L564 to your local SSA office. Worst case, these forms can either be mailed, faxed, or submitted electronically through a special link online. All the details on this process are on our special webpage at www.medicaremindset.com/sep
You're awesome 👌 👍 great video 👍
Now the bad news for me.... I haven't used my ssa account so long that I've forgotten all login info.....as I was trying to guess my email and username it locked me out. Saying that I have to call them.
I remember my wife had the same problem years ago.... We were never able to log back in to her account even after we walked into the local ssa office asking them for help. She's receiving ss and medicare now but her account is locked for ever amen 😐
Thanks. Start off with the Forgot Username process...enter the necessary information to confirm the username. Then do the Forgot Password process using the username you just confirmed. That usually works to get back into an account...but you definitely need to know the email address that was used to create the account in the first place.
If nothing works, then you would need to reset with help from SSA by calling them at 800-772-1213. Good luck!
@@MedicareMindset thank you for your reply 👍🙂
What should you put if it is your spouse and their insurance plan you are on
Anything you want. The answers to those questions don't matter. Do your best with the start dates and then if it hasn't ended, then mark that.
What if I currently have an employer group health plan but I know the future end date will the application let me enter a future end date
It won't accept a future end date. An end date is for when it's already ended. Choose the option that it hasn't ended.
If applying for Medicare parts A and B after 65 due to losing creditable group coverage, where do you add the CMS form that the employer fills out?
Hi Lexi - Thanks for your question. So if you're enrolling in Medicare for the first time, but AFTER your initial enrollment period, then you'll need to first submit the online application for Parts A & B at www.ssa.gov. It sounds like you've done that or are about to. Then submit Forms 40B and L564 to a local SSA office to complete your enrollment.
Assuming you're enrolling in Medicare A&B, and NOT Social Security retirement benefits, follow Scenario #2 on our Special Enrollment Period page: www.medicaremindset.com/sep
The two forms you need are downloadable through that link.
Good video but I'm confused about one thing. No where in the application did I see an Electronic Signature Section and though I have completed the application I have no way of submitting it. Help!
At the 9:10 mark, it shows the final page of the application where you can review your answers. Then just below that is the Electronic Signature Agreement section. Click the box that you agree and then click Submit Now.
Your video was helpful but I am still stuck on the application! I checked the boxes that indicate I have group health insurance and that it is through my husband's employer. The next section demands info about my own employment. I left the section blank about MY employment history and put in the comment section thst I was never employed by that compnay but now I get error messages for all the lines involving that employment. The explanation clearly states that it is looking for information about MY employment. I can't understand how this application process can be so flawed!
That’s frustrating. Put in employment dates for your husband, and then health insurance dates for you. Whatever is needed to move forward. The information isn’t even important actually.
Hi can I register for medicare in october but is 4 month away from my birthday?
Thanks.
Mike - I believe it sounds like your 65th birthday is in February 2024? If so, October 2023 is the earliest you can submit an application for Medicare benefits...to begin 2/1/24. Let me know if I misunderstood the timing.
@@MedicareMindset Thanks for your response.
From october is 6 month away from my birthday but they say apply 3 month before the age of 65 how it is possible
@@mikeautostudent5562 So you're 65th birthday is in April 2024? If so, you can submit in the 4 months prior to your birthday month...which is as early as December 2023.
I was with till you picked both A & B, I'm continuing at work w insurance. I've been told to take A, but decline B. what happens then? thanks
If you're covered on a group health plan based on active employment through you or your spouse...AND the employer has 20+ employees...Medicare A & B enrollment is optional.
Should you get Part A? As long as you don't contribute to a Health Savings Account (HSA). If you do contribute, then you don't want Part A yet. Add it later, as well as Part B, when you come off the group plan.
NOTE: Flexible Spending Accounts (FSAs) are fine. You can have Medicare and not impact your FSA contributions.
Thank you @@MedicareMindset
I am turning 65 on March . How can I apply Medicare? In what website do i need to apply? Please response and thank you for your help. I am from Maryland.
Well, you're in the right place already. This video shows you how.
So if I have been getting social security benefits starting at age 62 will I automatically be enrolled in Medicare part a and part b and not have to sign up for it online at age 65. I will be turning 65 this coming August 2924 so when will I receive my medicare card in the mail? Also when will I need to sign up for my medicare supplement plan and my part d drug plan? Thanks for your help
Thanks for reaching out. Since you're on Social Security benefits and have a 65th birthday in August 2024, you'll get your Medicare card in the mail around mid-April 2024. So be on the lookout then.
Many Medicare Supplement (Medigap) plan carriers allow you to enroll up to 6 months prior to your start date, but we prefer to just enroll folks about 3 months prior, as the 3-month window before your birthday month is when you can enroll in a Part D drug plan. So we recommend doing both the Medigap and Part D plan enrollments in the 3-months leading up to your birthday month.
@@andystamas thank you so much for your repluy
This video really helped me. I have a question. I'm about to turn 65. I would like to apply for Medicare Part A now, but delay Medicare Part B within the initial enrollment window after I pick my supplement plan. Will I have to pay the penalty charge on Part B if I do not sign up for A and B at the same time?
Lamont - I'm glad you found the video helpful. You won't have a penalty for enrolling in Part B later, as long as you are covered in an employer health plan based on either your active employment or your spouse's active employment. See more details on Medicare enrollment periods on our blog: www.medicaremindset.com/news/medicare-enrollment-periods
@@MedicareMindset - I am turning 65 next month and wish to sign up for Part A for now, as I am currently covered under my wife's group health plan. During the Medicare sign-up process, do I check "yes" to currently covered under a group health plan, even though I am not the one who is employed?
@@lamontgilliland9664 Reference the video from 7:14 through around 8:22. This shows that you would need to answer Yes, and the subsequent questions about coverage through your spouse.
@@MedicareMindset - thank you again.... as the way Medicare worded the question, it appeared that I needed to be the one who was employed, They could certainly use your help in clarifying their website.
@@lamontgilliland9664 Haha! Believe me...I would love to have the opportunity to work with them directly and change the wording on the majority of their online application. :O)
Are you sure we can apply 4 months in advance? I don't want to start the process and then kicked out. I want to take care of this then, as I will be out of the country later and may not have access to Internet.
Yes, you can do this in the 4 months prior to your bday month.
could i apply for medicare if i have osteoporosis at age 22 and not working
Thanks for your question. Sorry to hear you're going through this at such a young age. IF you qualify for Social Security disability benefits and receive those benefits for 24 months, then you will become eligible for Medicare Parts A & B. But you'll have to work with the Social Security Administration to see if you meet their definition of disability. Take care.
Hello good video. I will turn 65 in August 2023. However I still plan to work for at least another 1 1/2 years and stay on my employer health plan. Should I apply this month (May 2023) for Part A only and notate that I am still employed and covered under employer health plan. Then when I do know my exact retirement date (possibly Dec 2024), I apply for Part B by filling out form CMS 40B, having my employer fill out form CMS L564, and submitting those forms to my local SS office 30 to 60 days before my retirement date. Is that sound correct?
Assuming your employer has 20+ employees and you're NOT contributing a Health Savings Account...you can enroll in Part A ONLY and say NO to Part B on the application.
Then when you want to add Part B later for the future, I recommend submitting the two required forms to your local SSA office about 2-3 months prior to when you want it to start. You'll want to follow the instructions on our special webpage: www.medicaremindset.com/sep
@@MedicareMindset I do have a Health Savings Account that I am contributing to and my Employer provides a match up to a certain amount. That was the reason I wanted to stay on my employer's health plan. It is a high deductible plan. Maybe it would be better than if I just signed up for Medicare Part A and B at this point?
How much is it? If prior to 65 can someone enroll or need to enroll?
You can see the 2023 costs and coverage at this link: bit.ly/medicarecosts
And then Medicare is for 4 groups of people:
1.) Those turning 65
2.) Those who have been on Social Security disability for 24 months, prior to turning 65
3.) Those who have End-stage kidney failure
4.) Those who have been diagnosed with Lou Gehrig's disease (ALS)
See more details on eligibility at: bit.ly/medicareeligibility
Hi, thank you for this information. I have a question. My mother is a dual citizen (U.S. citizen and Canada) lived in and worked in Canada the majority of her life. She is retired and is 75. She never worked in the U.S. My dad never worked in the U.S. either. She has now just moved to the U.S. Is she eligible for Medicare?
Thanks for your question. Unfortunately, she needs to live in the US for at least 5 years. And even still, Part A would be full price (about $500/mo) because she doesn't have the 40+ quarters (10yrs of work) paid into Medicare taxes. I recommend looking into Medicaid benefits through your state dept of Medicaid.
Hi what if my grandma been living here for 5 years and her spouse is living abroad and no work history. We are trying to find her health insurance but its so expensive. She’s 83 yrs old and she needs health insurance and she did not have work history here. Can she still enroll for medicare??
Hi Jewel. If neither your grandmother nor her spouse has the work quarters, Part A will be full cost ($506/mo in 2023). Consider looking into Medicaid benefits through her state department of Medicaid.
@@MedicareMindset thank you so much!
If your turning 65 on December 10th, can you get your retirement benefits and Medical on the first of December. Even though you are not 65, till the 10th of December.
You'll be eligible for Medicare as of 12/1/22. If you decide to also start Social Security retirement benefits, you'll choose the month you want benefits to start. And then your first check will hit your bank account the month AFTER the month you select in the system. The date you receive your benefits is based on your birthday. Birthdays between the 1st-10th are paid around the 2nd Wednesday of the month.
So if you choose a December 2022 Social Security start, your benefits will hit your bank account around the 2nd Wednesday of January 2023. But as mentioned before, your Medicare can start as early as 12/1/22...assuming you enroll leading up to December 2022.
@@MedicareMindset Thanks.
5:00 hit "no",7:28, hit no.
@@MedicareMindset I c
what if I help someone else apply, is there another verification process?
If you're helping a friend or family member enroll in Medicare online, then you clearly need their permission and will want to have that person there with you. This is because they will receive a text or email from SSA when logging into their SSA account.
I will turn 65 on Jan 1, 2025. So I can enroll Social Security as early as Sep 1, 2024, right? I am still working and having good insurance with my current company which covering myself and my wife who is 60. Do I just apply for Part A only?
If you turn 65 on January 1st, you're actually eligible December 1st, 2024. So it's the 4 months prior to December when you can start to enroll (that would be as early as August 1st, 2024 to submit the application). Yes, I know that seems weird, but it's correct.
As long as you don't contribute to an HSA (Health Savings Account), you can surely enroll in Part A ONLY. But if you do contribute to an HSA, then consider NOT enrolling in ANY Medicare while you're on the group health plan based on your active work. Then you can add Parts A & B later without penalty.
NOTE: When you eventually enroll in Medicare and/or Social Security in the future, Part A will be backdated 6 months, so watch out. That will negatively impact your HSA contribution eligibility. More info on these topics here: www.medicaremindset.com/hsa
@@MedicareMindset Thank you so much. Your answers are short but presice.
I'm getting piled on with IRS debt because of the tax penalty for not being on health insurance so I really need something affordable so I can end the tax penalty problem when I do my taxes.
We're sorry to hear you're dealing with IRS debt, but there hasn't been a penalty for not having health insurance since 2018. This isn't applicable anymore. But maybe you're referring to a different "penalty".
@@MedicareMindset For the last two years after doing w2s and taxes with hrblock they tell me that I owe the federal government a large sum of money because I'm not paying for any health insurance during the year. My employer doesn't take money from my paycheck for health insurance. My federal refunds are basically in the negative amount which is now what I owe the federal government and its because I don't have health insurance to pay towards. The IRS just sends me a paper in the mail with an envelope to mail them the money they say I owe them.
Curious, will we still need an Medicare agent?
Thanks for your question. You are not required to work with an insurance agent to enroll in your supplemental medical and drug coverage. But if you do, the agent's services and guidance are complimentary (no cost to you). But make sure the agent is an independent broker who represents multiple insurance carriers' plans AND offers both Medigap and Medicare Advantage plans. There are some agents who push you to one type of plan, and that's because they aren't licensed and certified to offer all plan types.
For example, some agents only offer Medigap plans. They don't offer Medicare Advantage (which is right for some people) because Medicare Advantage plans require annual recertification and training.
@@andystamas Thank you very much for clarifying. 🍦
Hello. This is Mansour Fatehi,67 years old and my wife will turn 65 on
05/14/2024. Currently I have Amazon Aetna high deductible HSA
Coverage,my wife has Walmart KP DHMO coverage.
KP SENIOR MEDICARE suggested 3 senior plans to us.
1) Can I switch to Medicare and which one is the most suitable to
Me?
2) My wife will turn 65 almost 8 months later, so is she eligible to
Enroll one of these 3 plans.