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People qualify for Medicare in different ways. You become eligible when you turn 65, or if you’ve received Social Security Disability Insurance (SSDI) or certain Railroad Retirement Board (RRB) disability benefits for at least 24 months. No waiting period applies if you have amyotrophic lateral sclerosis (ALS), and some individuals with End Stage Renal Disease (ESRD) may also be eligible.
If you’re already receiving Social Security due to disability or retirement, you’ll be automatically enrolled in Medicare Part A (Hospital Insurance) and Part B (Medical Insurance). However, if you’re not getting Social Security, you’ll need to sign up for both Part A and Part B within the enrollment period.
You can sign up for Medicare during your Initial Enrollment Period (IEP), which lasts for 7 months. It begins 3 months before you turn 65 and ends 3 months after your birthday month. Premium-free Part A coverage can start 6 months back from your application date, but no earlier than your first month of eligibility for Medicare.
Original Medicare (Parts A and B) doesn’t cover everything. Consider additional coverage options like Medicare Part D for prescription drugs and Medicare Advantage plans that bundle health care services.
Medigap (also known as Medicare Supplement Insurance) policies help cover costs that Original Medicare doesn’t pay, such as copayments, coinsurance, and deductibles. These plans are offered by private insurance companies like ourselves here at Hodges Insurance Agency and can provide additional financial protection for your health care expenses.
Remember, understanding Medicare thoroughly ensures you make informed decisions about your health coverage! We at Hodges Insurance Agency are here to help. We have over 40 years of experience helping find people the right coverage for their specific needs, and we would be happy to assist you. Call us today or submit a contact form to set up an appointment to speak with one of our qualified agents.
