I hope you may guide me in the right direction. My mom is 69 years old and was born in Honduras. She became a US citizen on Sept. 2024 and I took her to the SSA office to update her citizenship status. There, we learnt that she qualified for Medicare and spousal benefits through her ex husband (they were married for 30 years, he’s a US citizen and has worked in the US for for more than 20 years). Her spousal benefits were approved last month. When can she apply for Medicare part B or are there penalties? She’s never worked in the US and lives with me. She’s has no income besides what SSA started giving her. She only has Medicare part A. Thank you.
Yes, your mom can enroll in Medicare. She can get Part A with no premium by enrolling through her ex-husband's work record. And then she can add Part B as well...BUT...she might be penalized for signing up for Part B late. It depends on what insurance coverage she has had since turning 65. If she's been on an employer health plan through her active work since 65, then she can enroll while on that plan or within 8 months after separating from the employer. But if she is NOT an employer health plan through active work, then she'll need to enroll during the General Enrollment Period for Medicare Part B (Jan 1 - Mar 31). Actually, she can enroll now. Part A can be done anytime, but they will give her a 2/1/25 Part B start date automatically if she's not on an employer plan based on active work. If you want to correspond via email, contact me at info@medicaremindset.com.
Do you know the best way to correct a mistake? I applied online, then realized my employer did not fill out the start date of my credible coverage correctly. I also did not see a place to show when I wanted part b to start. I lose my coverage at the end of this month, so worried I will have a gap in ocverage.
Just to clarify...are you enrolling AFTER turning 65 (after your initial 7-month initial enrollment period)? And when you say "applied online", are you now doing your first enrollment in Medicare to get Part A & Part B? Or do you have Part A already and you're just adding Part B through the online upload route at www.ssa.gov/medicare-partb-sep ?
@@MedicareMindset I was automatically enrolled in part A when I turned 65, still working so stayed on my employer plan. Now 67, I am dropping employer plan and enrolling in part b. I call SSA, they added a note to my file and said to get the corrected L564 form to my local SSA office, which I am doing today. They also noted on my file that I need coverage beginning Jan 1 2025. Fingers crossed!
Does my father need to do anything if he decides to defer Part B? He is currently under spousal insurance. As I understand from the video, when my mother decides to retire (and before 8 months of separation from the employer), he would then need to apply online for Part B and show proof of insurance. Thank you!
If the employer has 20+ employees, he doesn't need to do anything about Part B yet. He would enroll in the 3 months leading up to the future loss of coverage date. The two forms will need to be submitted to SSA to add Part B. The 8 months beyond separation from the employer is a nice accommodation, but really you want Part B to start right as the employer coverage is ending.
Naturalized US citizens born outside the US are asked to provide the date, month, year they were naturalized. Is the date the same as the date on which naturalization ceremony was held?
@MedicareMindset for Facility enrollment on the first time in pecos where we go.. I tried from my end in pecos there is showing only for initial enrollment for individual.. so for 855b where we should go for group in pecos..
If he's currently covered on a group health plan through active employment, then he should follow the instructions on our special webpage (www.medicaremindset.com/sep) to enroll in Parts A & B. He would be Scenario #2 (You need both Part A & Part B). But if he doesn't have group health insurance currently, he can enroll in Part A only right now...but he'll have to wait until the General Enrollment Period to add Part B (January 1st through March 31st, 2025).
@@just4you3003 That's a tough one. If he applies for Part A, since he doesn't have the quarters, he will need to pay a premium for Part A (up to about $500/mo in 2024). Also, once he has Part A he can no longer get a premium subsidy (Advance Premium Tax Credits) when on a Marketplace plan. If there is any chance he can get to the 40 quarters in the next several years, he will probably need to just stay on the Marketplace plan until then. Once he has the quarters, then he can enroll in Part A without a premium and then also Part B (this will have a premium). If his income is really low, he may even qualify for Medicaid through his state department of Medicaid.
Best video to watch for part b enrollment. Thanks!
Love to hear this!
This is the only video that explained why I couldn't enroll online. I was getting frustrated.
Thank you.
I'm glad to hear this cleared it up for you. Yep, call your local SSA office to schedule a phone appointment to sign up.
I hope you may guide me in the right direction. My mom is 69 years old and was born in Honduras. She became a US citizen on Sept. 2024 and I took her to the SSA office to update her citizenship status. There, we learnt that she qualified for Medicare and spousal benefits through her ex husband (they were married for 30 years, he’s a US citizen and has worked in the US for for more than 20 years). Her spousal benefits were approved last month.
When can she apply for Medicare part B or are there penalties? She’s never worked in the US and lives with me. She’s has no income besides what SSA started giving her. She only has Medicare part A.
Thank you.
Yes, your mom can enroll in Medicare. She can get Part A with no premium by enrolling through her ex-husband's work record. And then she can add Part B as well...BUT...she might be penalized for signing up for Part B late. It depends on what insurance coverage she has had since turning 65.
If she's been on an employer health plan through her active work since 65, then she can enroll while on that plan or within 8 months after separating from the employer.
But if she is NOT an employer health plan through active work, then she'll need to enroll during the General Enrollment Period for Medicare Part B (Jan 1 - Mar 31). Actually, she can enroll now. Part A can be done anytime, but they will give her a 2/1/25 Part B start date automatically if she's not on an employer plan based on active work.
If you want to correspond via email, contact me at info@medicaremindset.com.
Do you know the best way to correct a mistake? I applied online, then realized my employer did not fill out the start date of my credible coverage correctly. I also did not see a place to show when I wanted part b to start. I lose my coverage at the end of this month, so worried I will have a gap in ocverage.
Just to clarify...are you enrolling AFTER turning 65 (after your initial 7-month initial enrollment period)?
And when you say "applied online", are you now doing your first enrollment in Medicare to get Part A & Part B?
Or do you have Part A already and you're just adding Part B through the online upload route at www.ssa.gov/medicare-partb-sep ?
@@MedicareMindset I was automatically enrolled in part A when I turned 65, still working so stayed on my employer plan. Now 67, I am dropping employer plan and enrolling in part b. I call SSA, they added a note to my file and said to get the corrected L564 form to my local SSA office, which I am doing today. They also noted on my file that I need coverage beginning Jan 1 2025. Fingers crossed!
@@josephwoods3552Okay, good. You'll get the 1/1/25 start date if you turned in the forms prior to 1/1/25. You'll be fine.
Excellent video, thank you so much.
Great!
Does my father need to do anything if he decides to defer Part B? He is currently under spousal insurance.
As I understand from the video, when my mother decides to retire (and before 8 months of separation from the employer), he would then need to apply online for Part B and show proof of insurance.
Thank you!
If the employer has 20+ employees, he doesn't need to do anything about Part B yet. He would enroll in the 3 months leading up to the future loss of coverage date. The two forms will need to be submitted to SSA to add Part B.
The 8 months beyond separation from the employer is a nice accommodation, but really you want Part B to start right as the employer coverage is ending.
Thank you so much!! That’s the information I needed. 😊
Naturalized US citizens born outside the US are asked to provide the date, month, year they were naturalized. Is the date the same as the date on which naturalization ceremony was held?
That sounds right, but I imagine your naturalization documents have an official date on them.
easy to follow, thanks for this info
Awesome!
So, first you have to fill up 2 forms....where are those forms?
1 minute 30 seconds into the video we show you where to get the forms. Please watch the video. It has everything you need.
Thank you for your support
Glad to help!
In pecos how to find enrollment for initial group ..i am getting only for individual provider
??? There must be a typo. I don't understand your question. Can you re-try? Thanks.
@MedicareMindset for Facility enrollment on the first time in pecos where we go.. I tried from my end in pecos there is showing only for initial enrollment for individual.. so for 855b where we should go for group in pecos..
My dad age 68 but he don't enroll part A and B. Give me advice what he has to do next.
If he's currently covered on a group health plan through active employment, then he should follow the instructions on our special webpage (www.medicaremindset.com/sep) to enroll in Parts A & B. He would be Scenario #2 (You need both Part A & Part B).
But if he doesn't have group health insurance currently, he can enroll in Part A only right now...but he'll have to wait until the General Enrollment Period to add Part B (January 1st through March 31st, 2025).
@@MedicareMindset he has marketplace health insurance. He still need to apply for part A?
And he don't have 40 quarters
@@just4you3003 That's a tough one. If he applies for Part A, since he doesn't have the quarters, he will need to pay a premium for Part A (up to about $500/mo in 2024). Also, once he has Part A he can no longer get a premium subsidy (Advance Premium Tax Credits) when on a Marketplace plan.
If there is any chance he can get to the 40 quarters in the next several years, he will probably need to just stay on the Marketplace plan until then. Once he has the quarters, then he can enroll in Part A without a premium and then also Part B (this will have a premium).
If his income is really low, he may even qualify for Medicaid through his state department of Medicaid.
@@MedicareMindset Thank you so much😊😊
@@MedicareMindset and there is penalties for late enrollment plan A/B ?
Thankyou so much for help
You're welcome! Glad this was helpful.