Must you go on medicare at 65
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It depends on how you are receiving your current insurance. If you are receiving employer-sponsored health insurance through either your or your spouse’s job when you turn 65, you may be able to keep your insurance until you (or your spouse) retire(s). You will need to contact your employer’s benefits representative to find out whether they will continue your coverage when you turn 65. Since Medicare Part A is premium-free for most beneficiaries, you may want to enroll in Part A as soon as you are eligible (i.e., three months prior to the month of your 65th birthday), even if you will continue to receive employer-sponsored insurance at that time. If you are covered under an employer plan, you may want to delay signing up for Part B until you (or your spouse) retire(s). However, it is a good idea to check with Social Security or Medicare to confirm that you will not face a penalty for late enrollment. Similarly, unless you have drug coverage that is as good as what Medicare drug plan
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How and when to apply for Medicare
What is Medicare, and how does it work?
Medicare is the federal health insurance program for people who are 65 and over. If you are under 65, you may be eligible to get Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD), or ALS (Lou Gehrig’s Disease).
Medicare is divided into four parts:
Learn more about Medicare, including:
- How it works
- How to prepare to sign up and submit a Medicare application
Find out what Medicare costs based on what coverage you choose.
Medicare enrollment in your 60s
There are several ways to enroll in Medicare, whether you strategi to retire or keep working:
- If you begin receiving Social säkerhet retirement benefits between age 62 and up to 4 months before turning 65, you will be automatically enrolled in Medicare Part A and Part B when you turn 65.
- If you apply for Social Security 3 months before you turn 65 or later, you can sign up for Medicare when you apply for Social Secu
- Any time while working and still covered by
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When to sign up for Medicare
Most people sign up for Part A (hospital insurance) and Part B (medical insurance) when they're first eligible, typically at age 65.
It's important to sign up promptly to avoid gaps in coverage or late enrollment penalties. However, if you're already covered through an employer group health plan, it might make sense to sign up for Medicare later or delay Part B.
If you are age 65 or older and receive Social säkerhet benefits, you will be automatically enrolled in Part A.
The 3 enrollment periods
1. When you're turning 65
This is the "Initial Enrollment Period," and there are no penalties if you sign up during this time.
2. After 65 and you've been covered bygd an employer group health plan
This is a "Special Enrollment Period," and there are no penalties if you sign up or add Part B during this time.
If you or your spouse have health insurance through your job, you can sign up: