Congratulations. You’ve made it to your Medicare enrollment and can finally get a superior plan with much fewer hassles than your previous coverage. The first step is to apply for Medicare Part A & Medicare Part B(Original Medicare). Medicare Part A is your hospital insurance/skilled nursing facility. Premium Free Part A is common based on years of payroll taxes and Medicare Taxes. Medicare Part B is for care outside of a hospital including a doctors office, durable medical equipment and skilled nursing facility. For Medicare Part B Medical Insurance you will usually have monthly premiums that you must pay every month. If you are already collecting social security you will be automatically enrolled in Medicare Part A and Medicare Part B (Original Medicare). Once approved for Medicare Part A/B you will enter your initial enrollment period in which you can enroll in a Medicare Advantage Plan Or MediGap plan offered by private insurance companies. Please note Medicare Prescription Drug coverage is not covered under Medicare Part A/B and must be bought seperatley. There is a monthly premium for Part B coverage and for your prescription drug coverage. Understand a bit more about how Medicare Part A and Medicare Part B work? Great. Now we will guide you to sign up for Medicare online. Below is a step-to-step guide on how to enroll in Medicare.
The first step to take is by taking a trip to the Social Security site. In addition to letting individuals enroll in Medicare Part A and Part B coverage the social security site lets you review your social security retirement benefits. Benefits are paid via monthly social security benefits. Eligible individuals can check on their retirement benefits and enroll in Medicare online via the instructions below.
Start by go to SSA.Gov. Once here you will want to click on the “Menu” Button on the Top Right. This will open a new page. Under Benefits, you want to select “Medicare”. Please note that if you are receiving disability benefits, have end stage renal disease, receive social security benefits and enrolled in railroad retirement board benefits dertmined by the railroad retirement board you may be automatically enrolled. Please contact social security/local social security office if this applies to you or if you did not have automatic enrollment.
Once selected you will be taken to the Medicare Page on the Social Security site. This page is hugely informative about Medicare Part A & Part B so take a few minutes to read it. This will discuss your Medicare Annual Enrollment Period where you can shop Medicare Advantage Plans and enroll in Medicare. Once done you want to scroll down until you see a blue box that says, “Apply for Medicare Only” Click That. Part B Medical Insurance covers quite a lot so make sure you understand what is offered and your enrollment periods.
This will open the “Apply for Benefits” page on the Social Security site. For this exercise, we will assume we are starting a new application. So Click the button that says “Start A New Application.” Remember we need to do all of these steps when applying for Medicare. Failure to enroll in Medicare Part A or Medicare Part B will make you ineligibe for a Medicare Advantage plan or Medicare Supplement Plans. Original Medicare is a necessity for your Medicare Health coverage.
Once you click the “Start a New Application” button you will get a screen asking who is completing this application. In most cases, you will press the button that says I am applying for myself. Click that and then the “Next button” This will open a drop-down menu asking if you have a “my Social Security account” If you do congratulations as you’ve made your life quite a bit simpler. If not, then press “No”
The next steps gets a little more tricky since now we are greeted with a myriad of options of what to do next. We find Login.Gov to be best. Go ahead and click sign up with Login.Gov.
This will take you to the Login.Gov sign-in screen. This is how to sign up for Medicare Parts A and B Online if you do not have a SSA.Gov Account. From this screen your will want to press Create an account. They will ask you for your email address and your language preference.
Once you click submit Login.Gov will send you an email to confirm your email address. Make sure you confirm it in 24 hours otherwise the link is not valid. You will then need to create a Login.Gov password. It must be 12 characters and make sure it is something you can remember. Once done you will be given a screen that looks like something out of the Matrix. The good thing is we don’t need Neo to get us out. Login.Gov requires a two-step verification and they give you six options. The simplest way to do this is via a Text or Voice Message. Your doing great by the way. You are one step closer to having Medical Insurance with a Medicare Advantage plan or Medicare Supplement Insurance. Remember for your Medicare Health Care you will need Medicare Part B.
Once you select text message Login.Gov will send you a short text to verify. You’ll know you are successful when you see the screen below. For your own sanity press the button that says, “Skip For Now”. See…Applying for Medicare Part A/ Medicare Part B is simpler then it looks.
On the next screen press Agree and Continue. This will take you to a form from the Social Security asking if you have received an activation code. Most likely you have not. So simply Click “No” and “Next.” This will bring up another prompt where you will need to receive another text. Once done social security will ask you for your information to verify your identity. Please not this is a US Government site so your infomation is secure. Once done you will then be given a screen asking if you want another layer of security. Kindly say “No”. Once completed you will be in the Medicare Part A& Medicare Part B application(Original Medicare)! The application is where you will enroll in Medicare. It is where you will apply for Medicare Part B and once done enter your initial enrollment period. The Medicare Application is needed to sign up for Medicare and obtain Medicare coverage in a Medicare Advantage Plans or MediGap plan in your initial enrollment period. Medicare Part B has a monthly premium that is usually deducted from social security.
Some Notes on the Medicare A&B Application
- The application should only take five minutes but there are two pieces of info you must remember:
- If you do not wish to start receiving Social Security Benefits make sure you mark that as “No.” If your mark “Yes” you will start receiving social security benefits.
- Make sure you mark YES to start Medicare Part B.
In some cases the Medicare enrollment can hit a snag at this part. If this occurs please contact the local social security office and they should be able to fix this and let you enroll in Medicare. Once you do this the application should be done in only a few minutes. You will receive a confirmation email once it is completed. From here it can take anywhere from a week to a few months to get your Blue Medicare Card and you will enter your Initial Enrollment Period. Your Medicare Card will have ten digits on it. You will need this number to aply for a Medicare Supplement Insurance Plan or Medicare Advantage Plan. If you do not get your Medicare card please contact the local social security office and they should be able to help. Your health insurance/medical insurance is too important to miss the enrollment period and not have Medicare coverage.
Group Health Insurance
If you have been working past Age 65 and your company has more than 20 Full Time Employees you can delayed Medicare enrollment in Medicare Part B and Medicare Part D. You must have group health coverage/group health plan that is deemed creditable coverage. As long as your working-delayed/delaying Medicare is okay. You do not need to enroll in a general enrollment period and in fact you will have a Medicare special enrollment period once you decide to retire. Once you do retire you will have your inital enrollment period. You will need to enroll in Original Medicare and then you can purchase Medicare Advantage Plan, Medicare Prescription Drug Plan or MediGap plan offered by private insurance companies. Coverage on a Medicare Advantage Plan or Prescription drug plan are not subject to pre existing health conditions and is group health plan based. Medicare plans are either with a Medicare Advantage Insurance company or Medicare Supplement Insurance Company Plans. To enroll in Medicare Part B once retired you will need CMS L564 Form. The form can be found here. You need this for to sign up for Medicare and or enroll in a Medicare Prescription Drug plan. Having a special election period will ensure that you can enroll in Medicare with no penalties and open your inital enrollment period for Medicare coverage.
Applying for Medicare Part A&B Online doesn’t have to be scary. If for whatever reason you need assistance to apply for Medicare please give our office a call at 954-282-6891. We will help you in your inital enrollment period to to enroll in Medicare in either a Medicare Advantage plan or Medicare Supplement Insurance. Our goal is to make applying for Medicare and Prescription Drug coverage simple and easy. You do not want a late enrollment penalty for your Medicare enrollment. We are happy to help you apply for your Medicare benefits.