Click here to subscribe to this channel: th-cam.com/users/medigapseminarsorg?_confirmation=1 See the update version of this video: th-cam.com/video/V-c_8EHmSvg/w-d-xo.html
First of all your very was extremely helpful; getting started with Medicare. Thank you!! I have two questions for clarification. I just recently received Medicare Part A but I did not sign up for Part B initially due to my wife having credible health coverage. She also contributes to an HSA out of her paychecks. I do not. I have learned since signing up for Part A that we would in fact save money with me now signing up for Part B and getting off her health insurance. Question #1; If the HSA account is under her name only can she continue to have the HSA account? Question 2: I am unclear how to go back in and sign up for Part B and have it added to my account. I appreciate you time and clarification before I move forward. Once again, Thank You Very Much!
Hi - first, here is an updated version of this video that answers your question on how to enroll in Part B only: th-cam.com/video/V-c_8EHmSvg/w-d-xo.html As far as HSA, I cannot give tax advice but you should be in the clear as long as it is her HSA and she is not enrolled in Medicare. I have an article on HSA here: th-cam.com/video/V-c_8EHmSvg/w-d-xo.html
10/18/2023. After seeing this video I figured I must be able to sign in for Medicare benefits. My birthday is not till February. I went to my SSA account. Couldn't find the Medicare button. After signing out it is before you sign into your Social Security account( upper right corner). It has me sign in later. It also warned me that if I started 10/18. I have to complete it by 4/18/24 or I lose Medicare😂 the process was simple. It pretty much went by my Social Security account. How to check progress I go to Social Security account. It's being reviewed. Thank you for this video
Good video but was also expecting a walk-through on how to sign up for Medicare on line and not so much time spent on late signup or delaying sign up. Title is a bit misleading when you say step-by-step, nothing was covered on step by step basis on signing up.
Thank you for your clear explanations of Medicare. I was so confused all these months leading to my 65th birthday due to the amount of offers from health insurance companies. I knew I didn’t have to enroll in Medicare yet because I’m still working fulI time. I turned 65 April 16th. I work full time at a big hospital so I have health insurance from my employer and I contribute to HSA too. I also have health insurance from my husband’s employer because he’s still working full time. He is a veteran having served in the USN for 20 yrs. I was ineligible for Tricare prime when I turned 65. I will stop my HSA contributions in November and then apply for Medicare and Tricare for Life after I leave my job on my FRA. I hope I got everything straightened up.
Thank you for an information pace that’s easy to follow and digest. The content organization is logical and easy to follow. This series is very useful for me.
As soon as I get part B during a SEP ( penalty free) from my old job, I will be contacting you to get a supplement plan . Your many videos have helped me so much, that I feel confident to be able to choose what's brst for my needs. Thanks for plain & simple explanations.
Very excited. I can't wait to get my Medicare number. To call you guys. You guys are great. Love your Medicare classes on you tube. Matt C . It is very clear and easy to follow and understand his classes. Congratulations 👏 doing a great job.
I’m 64. I want to start my SS in January 2024. I’ll turn 65 in May 2024. When do I sign up for SS and Medicare? I was hoping to carry COBRA from Feb to May but I think you said that COBRA is not count as creditable coverage. Help. I’m so confused!
So there is no penalty for late enrollment in part A but part A is nice to have. There is no need to enroll in Part B if you can show coverage through employer. So the initial enrollment period is only critical for those who are no longer working. Did I get that right?
Pretty much. It is a critical time in that you need to know the rules and make sure you have creditable if you do not enroll in Medicare. Check out my creditable coverage cheat sheet here: medigapseminars.org/resources/ Keep in mind, Medicare plus a supplement is usually better coverage at a lower cost than group insurance. You can use this calculator to compare: medigapseminars.org/compare-employer-plan-to-medicare/ call if we can help. 800-847-9680
Extremely helpful video. I've been looking in several places and it was a bit confusing. This video is thorough and complete. Nice step by step instructions.
i like the part of how to sign up for medicare, I have been watching medicare webinar in the past year. I have stopped my hsa contributions in January 2022
Very much appreciate the simple, concise manner in which you present the questions, and answers. It was like we had a conversation, and I wasn't even there!
Wow! This seems to be the most complete and factual information I've found about working and having group insurance after age 65. I even called the local Social Security office and got an answer, but the guy didn't seem very confident about it.
loved the video. Since I am retired military I also watched your 'How Medicare works with TRICARE for Life' video. Very informative and highly recommended.
Let's say I work till 66 which is in December, and my employer group insurance ends March 31st, would I sign up in March for A & B? Or would I sign up for A,B,D in April 1st ??? Thanks for your videos BTW ❤
If your employer group insurance is Creditible coverage, you would want to enroll in Medicare to ahve a start date of April 01. medigapseminars.org/wp-content/uploads/2022/09/Table-creditable-coverage-update-2022-09.pdf
EXTREMELY valuable information on all your videos. I will be getting a SEP in April 2024 from the POST OFFICE under a new PSHB reform plan that is still in progress but will be effective 1/1/2025. This will be for part B enrollment &will be penality free. Once I get that I'll be contacting you to get a Suppliment plan, as I do not want to participate any further in ANY health plans that this new plan might offer. Thanks for such clear, informative, & understandable videos to help us all make a decision as to which way to go for a better decision on our future health care options. Plus the ways to avoid HUGE mistakes in doing so.
for over 65 and subsequently enrolled in part b, how long from the part b enrollment date do I have to get medigap supplement insurance without medical underwriting?
Hi - you have 180-days from the Medicare Part B start date. Some insurance companies allow 6-calendar months, which could be a few days longer than 180-days.
These are such great videos. You are a wonderful teacher. I am just confirming. My husband and I will both turn 65 this January. Right now he is still working so we both are covered under his employer insurance. And he hopes to continue working a few more years at least. The company is large….over 100 employees. Do we understand correctly that we can definitely stay on this insurance until he retires? They can’t make us go on Medicare? Thank you.
Thank you for your kind words. You are correct. Please watch this video about what to do if you or your spouse is working past your initial enrollment: th-cam.com/video/gCPbYcvvxgo/w-d-xo.html
filling form B part is cut and not sufficient. Company shut down our division and laid off. But there is still helath coverage upt the end of the month. It is not clear when and how to fill in this case. And what is necessary for proof and where to give ? But your staements are generally clean and very useful. Thanks.
Can you tell me I have a female friend who is 75 years old I believe she has Medicare part A can she enroll in part B if her husband still has credible coverage through his job at Disney World ? Can you help with this question ?
The answer is Yes, she can. Her husbands employer will need to complete Form CMS-L564 so she is not penalized. www.cms.gov/cms-l564-request-employment-information
I don’t have employer sponsored health insurance but instead have private insurance. I’ll be applying for Medicare in September, three months prior to my 65th birthday. I’m not currently collecting SS
Thank you for all of your videos. How can one get you as their representative, especially because you’re so articulate and clear in explaining everything?
Good stuff. I heard about your channel because a commenter on the Barron's website mentioned it. I am now signed up. Not a moment too soon as I will be doing this very soon. Thanks.
Greatly appreciative of all your videos, and the chapters segments are very helpful. Little over a year before eligible; studying, preparing at this point. Pretty much already know what choices I will make. Thank you.
I am retired and collecting SS. I enrolled on Part A only on 65th birthday (3/2020) and have been on my wife's insurance (company over 20 employees) for about 8 years. I now wany to enroll and Part B and buy Parts D and G. When is the enrollment period using the SEP rule? I would like to start the full Medicare program within the next 3 months if possible. Thanks for your help.
Can you publish a video for applying SSI and suitable Medicare for persons above 65, who have not worked anytime in USA and no income during the current period also. These came to USA as parents of working individuals.
Excellent information. I am a contractor and receive health and welfare benefits in each pay check. I opted not to take their health insurance and looked for my own which the H&W benefits pay for. I understand those benefits will still be available to myself when I am on Medicare A and B. I will be using that benefit money to payt for my Medicare part B. Is this okay?
So turning 65. Employer over 20 employees. No HSA. My group health insurance premium is under $200 month for spouse and myself. Spouse is 64. Do I just sign up for Medicare Part A only and my health insurance through employer will keep paying (for spouse and I) until I retire in 3 years?
Thank you Sir! From the HSA cheat sheet, it looks like I can enroll in Medicare during the Initial Enrollment Period and can stop paying into our HSA the month before. Whereas the "six month retroactive rule" (with penalties on HSA) applies only to after Initial Enrollment Period. Thanks!
I had a SS account before signing up for Medicare. I logged into my account. I clicked the start retirement benefits (not just for medicare). I found a box for the medicare form and checked it. As I'm working my way through this form, it asked if you would like to start SS monthly payments (no for me). Then there is a box to check for Part B (which I checked). There was no mention of Part A (This is were I have a question). ; Am I automatically enrolled in Part A when I checked the Part B box? ; Thanx.
Thank you for the videos Matthew, this was most helpful in re: to “credible coverage”. My question for you is do I have to do anything if 1) I started collecting SS benefits at 62. I will be 65 in May of 24. 2) I have the 40 quarters paying into Medicare and I have credible coverage via my wife with prescription coverage. Based on your video I will be enrolled automatically and don’t need part b or part d. Am I correct in my assessment? Thank you !
My husband is 63, retired and on Social Security. I am 64 still working and carrying him on my insurance plan at work. I will turn 65 next July and want to get on Medicare and retire as soon as possible. Even though my husband will be automatically enrolled in Medicare as of August 1 (due to his 65th birthday being in August), he will not have part B or drug plan if I retire July 1st….correct? (I work for State of Virginia and their new insurance year begins July) Do I need to stick it out to August 1st to keep him with insurance coverage?
Hi - the short answer is yes work the extra month. It will also be the most cost effective. You can probably carry COBRA for 1 month or et short-term coverage for 1 month, but both are expensive alternatives. I suggest you ask him to do you a very big favor in return for working an extra month you really don't want to do. Any projects he has been putting off?
Hello, my question is . I turned 65 while out if the country I read on the government page that I would have a three month grace period to enroll upon returning to the USA without getting penalized. How do I go about enrolling ?
I will retire on September 20th (the day I turn 65) but will be covered by my employer till the end of September. How can make my Medicare Part B starting date October 1st? Thanks
I am 6 years younger than my wife, my wife is going on Medicare this year and she is retired. I am still working and I have her on my insurance through my plan. I also have HSA plan. Will we get into trouble with the IRS with her on Medicare and me with a HSA plan ?
What if I have already signed up for advantage plan and now I changed my mind? After listening to your videos I think that I should have started with original medicare at 65. I am currently still working.
Hi Lisa - we can probably fix your situation, but I need more information. Please either use this Contact Us form medigapseminars.org/contact-us/ or call us at 800-847-9680. I know we can help.
I retired at 60 and have been covered by my wife’s Cobra retirement plan til now. At 65 do I need to provide any proof of prior health coverage to Medicare? I plan on applying for traditional Medicare parts A and B in the 3rd month prior to my birthday.
I’m gonna be 65 this July, currently working in USDA , have a deduction of Medicare in my LES, I have blue cross/blue shield and Tricare insurance. It is okay to enroll now? What about my wife she’s not working, is she covered with Medicare or she need to enroll when she reach 65! Thank you
Helpful!!! Question…If my husband, who is 65 in mid Aug of this year, and I, who will be 65 in mid Oct, and we have an HSA acct with his company, will we be penalized (or can we continue to contribute) if I go in Medicare next year and he stays on his company plan? I am not employed.
Great video! I have a couple of questions. I started taking SS at 62 and I turn 65 in Nov 2023. I'm living full time in the Philippines. 1. Do I receive Medicare part A & B automatically. 2. I assume I can't use it here? 3. I have access to Indian Health benefits through the Choctaw tribe. Does this count as credibitable coverage? Do you have an email address to cover this I. More detail. Thank you!
Hello, does this all work the same if you retired from state employment? Do the state take care of your enrollment in social security and Medicare or, are you responsible for enrollment? Also, after age 62-65 you retire, can you go back to work with out losing your social security or Medicare? Thank you for your videos, this is need to know information.
I’m on SSI. I’m also on Medicaid (in Florida). I was told by SS, that I automatically enrolled in Social Security at 62 (April 2025). Will I automatically be enrolled in Medicare pt. A &B!
I have been receiving non-disability social security for two years now, turning 65 in 4 months. Will I be automatically enrolled with no action on my part??
I signed up for Medicare part A to start August 1, 2023. I am still working and have an HSA. I now want to withdraw my application due to having an HSA. How do I withdraw and is there a penalty? (I plan to sign up again in a few more years during a SEP when I retire).
Absolutely! You have six months from the start date of Part B to decide on a supplement plan without qualifying medically. You do want a Part D prescription drug plan though and you need to get that during your initial enrollment period.
I'm 70. I'm still working and covered by my large employer's plan. I'm on Part A. I'm going to retire in a few months. I'll apply for Part B then. Question: Do I have to prove that I had continuous coverage from my employer since I turned 65? When I was age 66, I changed jobs and missed one month of coverage. Will missing that one month of coverage trigger penalties??? Please advise. Thanks.
I am turning 65 in November. I am already retired. I am receiving my late husband’s social security, not mine. Do I fit in the first or second category?
![ละลาย (LALALYE) - DAOU PITTAYA ต้าห์อู๋ พิทยา [OFFICIAL MV]](http://i.ytimg.com/vi/wo6r9TgausI/mqdefault.jpg)
Click here to subscribe to this channel: th-cam.com/users/medigapseminarsorg?_confirmation=1 See the update version of this video: th-cam.com/video/V-c_8EHmSvg/w-d-xo.html
What if I am 66, laid off but intends to go back to the work force, do I have to still get medicare insurance?.........
First of all your very was extremely helpful; getting started with Medicare. Thank you!! I have two questions for clarification. I just recently received Medicare Part A but I did not sign up for Part B initially due to my wife having credible health coverage. She also contributes to an HSA out of her paychecks. I do not. I have learned since signing up for Part A that we would in fact save money with me now signing up for Part B and getting off her health insurance. Question #1; If the HSA account is under her name only can she continue to have the HSA account? Question 2: I am unclear how to go back in and sign up for Part B and have it added to my account. I appreciate you time and clarification before I move forward. Once again, Thank You Very Much!
Hi - first, here is an updated version of this video that answers your question on how to enroll in Part B only: th-cam.com/video/V-c_8EHmSvg/w-d-xo.html As far as HSA, I cannot give tax advice but you should be in the clear as long as it is her HSA and she is not enrolled in Medicare. I have an article on HSA here: th-cam.com/video/V-c_8EHmSvg/w-d-xo.html
Thank you so much for you professional assistance. Have a great holiday season!
10/18/2023. After seeing this video I figured I must be able to sign in for Medicare benefits. My birthday is not till February. I went to my SSA account. Couldn't find the Medicare button. After signing out it is before you sign into your Social Security account( upper right corner). It has me sign in later. It also warned me that if I started 10/18. I have to complete it by 4/18/24 or I lose Medicare😂 the process was simple. It pretty much went by my Social Security account. How to check progress I go to Social Security account. It's being reviewed. Thank you for this video
Good video but was also expecting a walk-through on how to sign up for Medicare on line and not so much time spent on late signup or delaying sign up. Title is a bit misleading when you say step-by-step, nothing was covered on step by step basis on signing up.
I’m glad I read your comment. You just saved me a lot of time watching a video that isn’t what I want.
😀 Thanks for sharing your information with us. Very helpful!!
Thank you for your clear explanations of Medicare. I was so confused all these months leading to my 65th birthday due to the amount of offers from health insurance companies. I knew I didn’t have to enroll in Medicare yet because I’m still working fulI time. I turned 65 April 16th. I work full time at a big hospital so I have health insurance from my employer and I contribute to HSA too. I also have health insurance from my husband’s employer because he’s still working full time. He is a veteran having served in the USN for 20 yrs. I was ineligible for Tricare prime when I turned 65. I will stop my HSA contributions in November and then apply for Medicare and Tricare for Life after I leave my job on my FRA. I hope I got everything straightened up.
I love this guy, he is so calm. and detailed oriented
thank you Wendy
Tons of information especially for those turning 65 years of age 👍👍👍
Very useful and important information to understand before starting the Medicare application. Thank you for posting.
You are very welcome!
Thank you so much for clarifying the 20 employee caveat in regards to delaying Part B.
You are welcome
Love the menu system. Extremely informative answered all my questions & walked me to steps with ease.💯🌟🌟🌟🌟🏆🏆🏆🏆❤️
Thank you for an information pace that’s easy to follow and digest. The content organization is logical and easy to follow. This series is very useful for me.
As soon as I get part B during a SEP ( penalty free) from my old job, I will be contacting you to get a supplement plan . Your many videos have helped me so much, that I feel confident to be able to choose what's brst for my needs.
Thanks for plain & simple explanations.
Yes, i am finding this information very helpful.
@@mercedesperez7542 Great!
Number two waiting, I'm excited also.
I hope you enjoyed the presentation.
Great info!! Explained clearly and simply. Thank you!
Very excited. I can't wait to get my Medicare number. To call you guys. You guys are great. Love your Medicare classes on you tube. Matt C . It is very clear and easy to follow and understand his classes. Congratulations 👏 doing a great job.
Thank you so much Ricardo. We look forward to hearing from you.
I’m 64. I want to start my SS in January 2024. I’ll turn 65 in May 2024.
When do I sign up for SS and Medicare?
I was hoping to carry COBRA from Feb to May but I think you said that COBRA is not count as creditable coverage.
Help. I’m so confused!
So there is no penalty for late enrollment in part A but part A is nice to have. There is no need to enroll in Part B if you can show coverage through employer. So the initial enrollment period is only critical for those who are no longer working. Did I get that right?
Pretty much. It is a critical time in that you need to know the rules and make sure you have creditable if you do not enroll in Medicare. Check out my creditable coverage cheat sheet here: medigapseminars.org/resources/ Keep in mind, Medicare plus a supplement is usually better coverage at a lower cost than group insurance. You can use this calculator to compare: medigapseminars.org/compare-employer-plan-to-medicare/ call if we can help. 800-847-9680
Extremely helpful video. I've been looking in several places and it was a bit confusing. This video is thorough and complete. Nice step by step instructions.
I’m helping a friend get set up and I sent her this link. You are very eloquent at explaining, thank you. ❤
i like the part of how to sign up for medicare, I have been watching medicare webinar in the past year. I have stopped my hsa contributions in January 2022
Great video explaining Medicare signup. And I do like the menu shortcuts. I can go right back to the info I need to hear again. Thanks.
you're welcome Steven
Very well explained. Helped with my decision.
Thank you. Your videos are very clear and easy to understand even with the people whose English is their second language, like me.
Very much appreciate the simple, concise manner in which you present the questions, and answers. It was like we had a conversation, and I wasn't even there!
You are welcome!
Thank you for helping me understand the different "parts" and the pros and cons.
Very informative video and I appreciate your clear and organized explanation. Thank you!
Great information about Medicare. Keep up the good work Why is there a penalty when you don’t sign up for part A. Thank you
If you have earned your Part A through 10-years of Medicare payroll tax, there is no late Penalty for Part A
Wow! This seems to be the most complete and factual information I've found about working and having group insurance after age 65. I even called the local Social Security office and got an answer, but the guy didn't seem very confident about it.
Thank you!😀
Love the menu system for sharing specific information to friends
loved the video. Since I am retired military I also watched your 'How Medicare works with TRICARE for Life' video. Very informative and highly recommended.
Thank you
very helpful thankyou very much
Best explanation on the topic I've watched on TH-cam.
Let's say I work till 66 which is in December, and my employer group insurance ends March 31st, would I sign up in March for A & B? Or would I sign up for A,B,D in April 1st ???
Thanks for your videos BTW ❤
If your employer group insurance is Creditible coverage, you would want to enroll in Medicare to ahve a start date of April 01. medigapseminars.org/wp-content/uploads/2022/09/Table-creditable-coverage-update-2022-09.pdf
Most informative introductory Medicare video out there. Thanks!
Thank you
You're great stuff I need to know right now
You can reach us at 800-847-9680 or medigapseminars.org/contact-us/
This information is great very informative very good information please keep video keep going great to help so many people Thank You Johnny.
EXTREMELY valuable information on all your videos. I will be getting a SEP in April 2024 from the POST OFFICE under a new PSHB reform plan that is still in progress but will be effective 1/1/2025. This will be for part B enrollment &will be penality free. Once I get that I'll be contacting you to get a Suppliment plan, as I do not want to participate any further in ANY health plans that this new plan might offer. Thanks for such clear, informative, & understandable videos to help us all make a decision as to which way to go for a better decision on our future health care options. Plus the ways to avoid HUGE mistakes in doing so.
Very helpful information I will be turning 65 in June 10 and have no information about how to start
Thank you for this video, it was SO helpful and easy to follow with your menu.
You are so welcome!
for over 65 and subsequently enrolled in part b, how long from the part b enrollment date do I have to get medigap supplement insurance without medical underwriting?
Hi - you have 180-days from the Medicare Part B start date. Some insurance companies allow 6-calendar months, which could be a few days longer than 180-days.
These are such great videos. You are a wonderful teacher. I am just confirming. My husband and I will both turn 65 this January. Right now he is still working so we both are covered under his employer insurance. And he hopes to continue working a few more years at least. The company is large….over 100 employees. Do we understand correctly that we can definitely stay on this insurance until he retires? They can’t make us go on Medicare?
Thank you.
Thank you for your kind words. You are correct. Please watch this video about what to do if you or your spouse is working past your initial enrollment: th-cam.com/video/gCPbYcvvxgo/w-d-xo.html
Very helpful. Thanks. New agent here trying to prepare for AHIP.
I'm turning 64 in january. I will be getting a hold of you in June because I do not want to wait
Thanks!
Thank you!
filling form B part is cut and not sufficient. Company shut down our division and laid off. But there is still helath coverage upt the end of the month. It is not clear when and how to fill in this case. And what is necessary for proof and where to give ? But your staements are generally clean and very useful. Thanks.
Hi - contact us and we can walk you through what you need to do. medigapseminars.org/contact-us/
Number one waiting, i'm excited
Did you like the video?
This is the Best Video on Medicare! Thank you.
Thanks for taking the time to make this video.
You are welcome Gabriel.
So if you delay your part B due to creditable employment can you apply online or must you visit an office as stated in a previous video?
The in office requirement changed during covid. As i noted in a more recent video, you can apply online at ssa.gov/medicare
@@MedigapSeminars thanks
Very, very helpful. You do a great job of taking at least some of the mystery out of this mess. And your menu system is very helpful.
Thank you. I just enrolled in Medicare muself and will have a step by step showing my enrollment soon.
Can you tell me I have a female friend who is 75 years old I believe she has Medicare part A can she enroll in part B if her husband still has credible coverage through his job at Disney World ? Can you help with this question ?
The answer is Yes, she can. Her husbands employer will need to complete Form CMS-L564 so she is not penalized. www.cms.gov/cms-l564-request-employment-information
very informative thanks
I don’t have employer sponsored health insurance but instead have private insurance. I’ll be applying for Medicare in September, three months prior to my 65th birthday. I’m not currently collecting SS
Thank you for all of your videos. How can one get you as their representative, especially because you’re so articulate and clear in explaining everything?
Good stuff. I heard about your channel because a commenter on the Barron's website mentioned it. I am now signed up. Not a moment too soon as I will be doing this very soon. Thanks.
Thank you so much for this wonderful information. I learned a lot about applying for Medicare. It has helped me so much.
Greatly appreciative of all your videos, and the chapters segments are very helpful. Little over a year before eligible; studying, preparing at this point. Pretty much already know what choices I will make. Thank you.
Fantastic. Wealth of information. Thank you for sharing
I am retired and collecting SS. I enrolled on Part A only on 65th birthday (3/2020) and have been on my wife's insurance (company over 20 employees) for about 8 years. I now wany to enroll and Part B and buy Parts D and G. When is the enrollment period using the SEP rule? I would like to start the full Medicare program within the next 3 months if possible. Thanks for your help.
Can you publish a video for applying SSI and suitable Medicare for persons above 65, who have not worked anytime in USA and no income during the current period also. These came to USA as parents of working individuals.
Sounds great. And how do I apply for Supplement plan?
Hi Lindy - I see you have already been in contact with my team. Marcene will take good care of you.
Excellent information. I am a contractor and receive health and welfare benefits in each pay check. I opted not to take their health insurance and looked for my own which the H&W benefits pay for. I understand those benefits will still be available to myself when I am on Medicare A and B. I will be using that benefit money to payt for my Medicare part B. Is this okay?
So turning 65. Employer over 20 employees. No HSA. My group health insurance premium is under $200 month for spouse and myself. Spouse is 64. Do I just sign up for Medicare Part A only and my health insurance through employer will keep paying (for spouse and I) until I retire in 3 years?
I strongly suggest you read the article or watch the video on this page. It will show you how to tell if you should just sign up for Part A or not.
Thanks for this, I'm retired, have coverage running out at the end of September. I'll likely get the form L564 signed by my former employer.
It's a simple process. Let us know if we can help. medigapseminars.org/request-a-quote/
Thank you Sir! From the HSA cheat sheet, it looks like I can enroll in Medicare during the Initial Enrollment Period and can stop paying into our HSA the month before. Whereas the "six month retroactive rule" (with penalties on HSA) applies only to after Initial Enrollment Period. Thanks!
Absoltely 100% correct. You are welcome.
I had a SS account before signing up for Medicare. I logged into my account. I clicked the start retirement benefits (not just for medicare). I found a box for the medicare form and checked it. As I'm working my way through this form, it asked if you would like to start SS monthly payments (no for me). Then there is a box to check for Part B (which I checked). There was no mention of Part A (This is were I have a question).
;
Am I automatically enrolled in Part A when I checked the Part B box?
;
Thanx.
Thank you for the videos Matthew, this was most helpful in re: to “credible coverage”. My question for you is do I have to do anything if 1) I started collecting SS benefits at 62. I will be 65 in May of 24. 2) I have the 40 quarters paying into Medicare and I have credible coverage via my wife with prescription coverage. Based on your video I will be enrolled automatically and don’t need part b or part d. Am I correct in my assessment? Thank you !
My husband is 63, retired and on Social Security. I am 64 still working and carrying him on my insurance plan at work. I will turn 65 next July and want to get on Medicare and retire as soon as possible. Even though my husband will be automatically enrolled in Medicare as of August 1 (due to his 65th birthday being in August), he will not have part B or drug plan if I retire July 1st….correct? (I work for State of Virginia and their new insurance year begins July)
Do I need to stick it out to August 1st to keep him with insurance coverage?
Hi - the short answer is yes work the extra month. It will also be the most cost effective. You can probably carry COBRA for 1 month or et short-term coverage for 1 month, but both are expensive alternatives. I suggest you ask him to do you a very big favor in return for working an extra month you really don't want to do. Any projects he has been putting off?
Thanks for your help, she keeps me plenty busy 😊
Great job on this video, Matthew!
Glad you liked it!
Hello, my question is . I turned 65 while out if the country I read on the government page that I would have a three month grace period to enroll upon returning to the USA without getting penalized. How do I go about enrolling ?
I appreciate your knowledge so much!
Can I simple choose Part C to have both A and B. Many thanks for this great information!! ❤
I will retire on September 20th (the day I turn 65) but will be covered by my employer till the end of September. How can make my Medicare Part B starting date October 1st? Thanks
I am 6 years younger than my wife, my wife is going on Medicare this year and she is retired. I am still working and I have her on my insurance through my plan. I also have HSA plan. Will we get into trouble with the IRS with her on Medicare and me with a HSA plan ?
This is important info!! You explained it all clearly and simply. Great web site too. Thank you!
You have explained how to sign up for medicare but when do I sign up for supplemental and Part D insurance?
Thank you 1000 times 👍
You are very welcome
What if I have already signed up for advantage plan and now I changed my mind? After listening to your videos I think that I should have started with original medicare at 65. I am currently still working.
Hi Lisa - we can probably fix your situation, but I need more information. Please either use this Contact Us form medigapseminars.org/contact-us/ or call us at 800-847-9680. I know we can help.
Thank you for explaining clearly.
Very informative, great info regarding HSA. I wasn't aware of that
I retired at 60 and have been covered by my wife’s Cobra retirement plan til now. At 65 do I need to provide any proof of prior health coverage to Medicare? I plan on applying for traditional Medicare parts A and B in the 3rd month prior to my birthday.
When in your initial enrollment period turning 65 you will not need to show proof of prior insurance
I’m gonna be 65 this July, currently working in USDA , have a deduction of Medicare in my LES, I have blue cross/blue shield and Tricare insurance. It is okay to enroll now? What about my wife she’s not working, is she covered with Medicare or she need to enroll when she reach 65! Thank you
Helpful!!!
Question…If my husband, who is 65 in mid Aug of this year, and I, who will be 65 in mid Oct, and we have an HSA acct with his company, will we be penalized (or can we continue to contribute) if I go in Medicare next year and he stays on his company plan? I am not employed.
Great video! I have a couple of questions. I started taking SS at 62 and I turn 65 in Nov 2023.
I'm living full time in the Philippines.
1. Do I receive Medicare part A & B automatically.
2. I assume I can't use it here?
3. I have access to Indian Health benefits through the Choctaw tribe. Does this count as credibitable coverage?
Do you have an email address to cover this I. More detail.
Thank you!
You will need to contact your embassy or consulate
Hello, does this all work the same if you retired from state employment? Do the state take care of your enrollment in social security and Medicare or, are you responsible for enrollment?
Also, after age 62-65 you retire, can you go back to work with out losing your social security or Medicare? Thank you for your videos, this is need to know information.
You are responsible for enrolling yourself. At 65, you can go back to work with no impact on Social Security or Medicare
I’m on SSI. I’m also on Medicaid (in Florida). I was told by SS, that I automatically enrolled in Social Security at 62 (April 2025). Will I automatically be enrolled in Medicare pt. A &B!
Thank you so much! The information that you gave,is very helpful.
You're very welcome!
I have been receiving non-disability social security for two years now, turning 65 in 4 months. Will I be automatically enrolled with no action on my part??
Yes. You should expect a Welcome Packet from Medicare about 60-days prior to your start date.
I signed up for Medicare part A to start August 1, 2023. I am still working and have an HSA. I now want to withdraw my application due to having an HSA. How do I withdraw and is there a penalty? (I plan to sign up again in a few more years during a SEP when I retire).
Like the menue system. Does it matter to get a broker in my state or it doesn't matter?
Thank you sir for for this wonderful information thank you and God bless
I love how you explain so plainly 😍
Thank you Matthew☺
Thank you for all of the informative info! It is appreciated!
What about self employed people? R there any different rules or steps one needs to know?
Thx u for ur video.
This! I’m having a hard time finding any information about this scenario. 😑
Thank you, I have had SS and Medicare A & B.
I did have both when I fell and had too have a hip replacement.
Can you enroll in Medicare without having decided on a supplemental plan, or whether you want Medicare Advantage instead of Original Medicare?
Absolutely! You have six months from the start date of Part B to decide on a supplement plan without qualifying medically. You do want a Part D prescription drug plan though and you need to get that during your initial enrollment period.
I'm 70. I'm still working and covered by my large employer's plan. I'm on Part A. I'm going to retire in a few months. I'll apply for Part B then. Question: Do I have to prove that I had continuous coverage from my employer since I turned 65? When I was age 66, I changed jobs and missed one month of coverage. Will missing that one month of coverage trigger penalties??? Please advise. Thanks.
I am turning 65 in November. I am already retired. I am receiving my late husband’s social security, not mine. Do I fit in the first or second category?