The process of enrolling in Medicare can be tricky, but thankfully most people are automatically enrolled in Medicare when they turn 65. This is because many beneficiaries meet the enrollment requirements to receive Medicare Part A automatically and qualify for premium-free Part A. While some beneficiaries are also automatically enrolled in Medicare Part B, several beneficiaries are not.
Who is Eligible for Medicare?
Medicare coverage begins at the age of 65 for those who are U.S. citizens or have been a permanent legal resident for at least five years. In addition to that, you need to meet at least one of the following conditions before you can be eligible to receive Medicare benefits:
- You or your spouse must have earned 40 credits or worked for at least ten years to be eligible for Social Security or RRB benefits.
- You or your spouse is a government retiree or employee who has not paid into Social Security, but Medicare payroll taxes were paid while working.
Some of the other conditions that will also qualify you for Medicare coverage before you turn 65 include:
- You have received disability benefits for at least 24 months.
- You have ALS (Lou Gehrig’s disease)
- You have End-Stage Renal Disease (ESRD)
How to Be Automatically Enrolled in Original Medicare
Social Security automatically enrolls you for Original Medicare without you taking action in each of the following situations:
- If you are already receiving Social Security or Railroad Retirement Board benefits, you’ll be automatically enrolled in Original Medicare. Your benefits will start on the first day of the month you turn 65.
- If you are under 65 but have a disability, you may also be automatically enrolled in Original Medicare and receive Social Security benefits or Railroad Retirement Board benefits for two years.
- You are older than 65 and delayed enrolling in Medicare because you have coverage from you or your spouse’s active employment, but you have contacted SS or RRB to start getting retirement benefit payments.
- If you have ALS.
- Those that are already receiving their Social Security benefits or Railroad Retirement Board benefits but are living in Puerto Rico will automatically be enrolled in only Medicare Part A. Those in this situation need to apply to be enrolled in Medicare Part B.
Individuals who fall into the categories listed above should expect to receive their Medicare card in the mail three months before their 65th birthday or on the 25th month of their disability.
Have More Questions?
At Temmen Insurance, we know that thoroughly understanding the ins and outs of Medicare can be intimidating. Our experienced insurance agents are here to help guide you through the Medicare enrollment process and make sure you select the best coverage for your needs. If you need help with your Medicare plan, give us a call to speak to one of our insurance experts.