A: Applying for Medicare on-line is easy and requires data that you ’ ll probably have on handwriting .
Your initial registration window for Medicare spans seven months, beginning three months before the month of your sixty-fifth birthday and ending three months after that month. During this time, you have the option to sign up for Medicare on-line. The march is fairly bare and should take 15 minutes or less.
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How to enroll in Medicare online
To be clear, you don ’ t have to sign up for Medicare on-line. You can do then over the call or in person, but if you ’ re looking to save clock time, completing an on-line application is credibly the best way to go .
The first footfall in enrolling in Medicare on-line is creating an history on the Social Security Administration ’ s web site. You do not need to sign up for Social Security at the same fourth dimension as Medicare, sol if that ’ s not your design, worry not. You ’ ll be asked whether you wish to enroll in one program or both during the signup process.
adjacent, you ’ ll need to provide some basic information like your name, address, and telephone number, and you ’ ll besides need your Social Security number to complete your lotion. In accession, you ’ ll need data that helps identify you, such as your birth certificate, driver ’ s license, or proof of U.S. citizenship if you weren ’ thyroxine born in the U.S. If you ’ re not a citizen, you ’ ll need your permanent wave resident poster number.
Deciding on Medicare’s Part A and B
now here comes the slightly slippery part. When you sign up for Medicare, you ’ ll need to decide whether to enroll in Part A only, which pays for hospital care, or Parts A and B in order to besides have coverage for outpatient and doctor services. Part B covers things like agency visits, hindrance care, and lab work, but it besides covers services such as chemotherapy, radiation, and kidney dialysis..
You ’ ll pay a premium to enroll in Part B, so if you ’ re placid working and are covered by a group health plan through your employer, it frequently pays to sign up for Part A alone, which doesn ’ thyroxine charge a premium. To do thus, however, you ’ ll need to provide the start date of your employment and the go steady your group healthcare coverage began. That may require some excavation through records if you ’ ve been with your employer a long clock time .
Keep in mind that if your spouse is the one employed with access to a group health plan, and you ’ re covered by that plan a well, you can still sign up for Part A alone yourself. But you ’ ll need your spouse ’ s employment and coverage startle date to complete your application.
It pays to enroll on time
If you miss your initial registration window to sign up for Medicare, you can do sol belated on. But know this : For each 12-month period you ’ re eligible for coverage but don ’ thyroxine use, you ’ ll risk a 10 % surcharge on your depart B premiums .
If you ’ re even working during your initial registration period and have group health coverage, you ’ ll get a special registration period to sign up for Medicare former on, and you won ’ thymine have to worry about that penalty. But otherwise, enrolling on time can not only save you money, but ensure that you have coverage when you need it .
Maurie Backman has been writing professionally for well over a decade, and her coverage area runs the gamut from healthcare to personal finance to career advice. much of her writing these days revolves around retirement and its versatile components and challenges, including healthcare, Medicare, Social Security, and money management .