Apply For Medicare

Applying for Medicare is simple; choosing a plan may be more complicated. If you would like assistance in finding the right plan for you, contact the Medicare experts at Insured for Life.

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Do You Qualify For Medicare?

Medicare is the government health insurance program for America’s seniors and those with disabilities. You can apply for Medicare when you reach age 65 or during your fourth month of a regular course of dialysis if you have End Stage Renal Disease (ESRD). If you meet certain conditions for Medicare enrollment, you may be automatically enrolled.

Enrollment For Seniors

American seniors who are nearing age 65 should begin to think about their Medicare options. You can first apply for Medicare three months before the month of your 65th birthday. This marks the beginning of your initial enrollment period, which lasts for seven months.

To apply for Medicare, you can use the official Medicare website, call Medicare, or schedule an appointment with your local Social Security office.

When you apply impacts when your Medicare coverage begins. If you apply for Medicare during the first three months of your initial enrollment period, your coverage will begin on the first day of your birthday month; if your birthday is on the first, your coverage will begin on the first day of the month prior to your birthday. If you sign up during your birthday month or in the three months following, your Medicare coverage will begin after a month’s time.

Enrollment With ESRD

You can receive Medicare coverage if you are younger than 65 and have End Stage Renal Disease (ESRD). Eligibility does not begin at the time of your diagnosis; rather, you are first eligible during your fourth month of a regular course of dialysis treatment. If you have approval from your physician and are trained at a Medicare-certified facility, you can perform at-home dialysis treatments, in which case your coverage can begin in the first month of a course of dialysis treatment. Coverage with ESRD can be retroactive by up to 12 months, beginning no earlier than when you first became eligible for Medicare coverage.

Automatic Enrollment

You may be automatically enrolled in Medicare Part A if you meet one of the following conditions:

You have received disability benefits from Social Security or the Railroad Retirement Board for at least 24 months
You already receive retirement benefits four months before you turn 65

Applying for retirement or disability benefits with Social Security or the Railroad Retirement Board serves as your application for Medicare if you meet these conditions. When you have already been receiving retirement benefits before you turn 65, you will be enrolled in Medicare Part B as well. Everyone pays premiums for Medicare Part B, so you can choose whether or not to keep it.

Signing Up For Medicare

You enroll in Medicare through Social Security, because they are the federal authority that administers the program. Contact Medicare or Social Security directly when it’s time for you to begin receiving your Medicare benefits.

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