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Turning 65 and Medicare: Will You Be Automatically Enrolled?

Experienced Medicare Broker Consulting with Client in Michigan

HELPING YOU PUT TOGETHER YOUR MEDICARE PUZZLE

MBG IS AN INSURANCE BROKER AND IS NOT ASSOCIATED, ENDORSED, OR AUTHORIZED BY THE SOCIAL SECURITY ADMINISTRATION, THE DEPARTMENT OF HEALTH AND HUMAN SERVICES, OR THE CENTER FOR MEDICARE AND MEDICAID SERVICES (CMS)

jim.neil@medicarebenefitsgroup.com – 734-657-4797

MEDICARE INSURANCE

MADE SIMPLE

https://www.medicarebenefitsgroup.com/contact/

As you approach the age of 65, an important milestone in life, you may be wondering about your Medicare enrollment. One common question many individuals have is whether they will be automatically enrolled in Medicare at 65. In this informative guide, we’ll provide clarity on this topic and help you understand the enrollment process, ensuring you make informed decisions about your healthcare coverage. Let’s unravel the mystery of Medicare enrollment together! ????????️

Understanding Medicare Eligibility at 65:

Before we dive into the enrollment process, it’s crucial to understand the basics of Medicare eligibility at age 65:

1. **Medicare Eligibility at 65:**

   – Most individuals become eligible for Medicare when they turn 65, regardless of their employment status or access to other health insurance options.

2. **Automatic Enrollment for Some:**

   – While not everyone is automatically enrolled in Medicare, certain individuals may be if they meet specific criteria.

Who Is Automatically Enrolled in Medicare at 65?

Medicare typically automatically enrolls the following individuals:

1. **Already Receiving Social Security Benefits:**

   – If you are already receiving Social Security or Railroad Retirement Board (RRB) benefits when you turn 65, you will be automatically enrolled in Medicare Parts A and B. You will receive your Medicare card in the mail three months before your 65th birthday.

2. **Receiving Certain Disability Benefits:**

   – Individuals under 65 who have been receiving disability benefits from Social Security or certain RRB disability benefits for 24 months are automatically enrolled in Medicare.

3. **End-Stage Renal Disease (ESRD) Patients:**

   – Individuals with ESRD may be automatically enrolled in Medicare, but the process varies depending on their circumstances.

For others who do not fall into these categories, automatic enrollment does not apply, and they need to initiate the Medicare enrollment process themselves.

How to Enroll in Medicare at 65:

If you are not automatically enrolled in Medicare at 65, follow these steps to initiate your enrollment:

1. **Initial Enrollment Period (IEP):**

   – Your IEP begins three months before your 65th birthday and extends for seven months. During this period, you can enroll in Medicare Parts A and B without facing late enrollment penalties.

2. **Online, In-Person, or by Phone:**

   – You can enroll in Medicare online through the official Medicare website, in person at your local Social Security office, or by calling the Social Security Administration.

3. **Decide on Additional Coverage:**

   – Consider whether you want to supplement your Medicare coverage with Medicare Advantage (Part C), Medicare Supplement (Medigap), or a prescription drug plan (Part D). These additional plans are optional but can enhance your coverage.

While some individuals are automatically enrolled in Medicare at 65, not everyone falls into this category. It’s essential to be proactive about your Medicare enrollment by understanding your eligibility and taking the necessary steps to initiate enrollment during your Initial Enrollment Period.

For personalized guidance and assistance with Medicare enrollment, consult with the Social Security Administration, a knowledgeable insurance advisor, or Medicare experts who can help you navigate the process and select the coverage that aligns with your unique healthcare needs and preferences. ????????????

MBG IS AN INSURANCE BROKER AND IS NOT ASSOCIATED, ENDORSED, OR AUTHORIZED BY THE SOCIAL SECURITY ADMINISTRATION, THE DEPARTMENT OF HEALTH AND HUMAN SERVICES, OR THE CENTER FOR MEDICARE AND MEDICAID 

SERVICES (CMS)

https://www.medicarebenefitsgroup.com/contact/

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What Our Customers Have To Say

Shecter Calendar
Shecter Calendar
2023-05-12
Very knowledgeable, friendly, easy to work with.
Cindy
Cindy
2023-05-11
Jim was a great resource who was recommend by my financial advisor. His explanations of the various options were straight forward and very informative. He asked me pertinent questions about my health in order to tailor a plan to best fit my needs.
beth swartz
beth swartz
2023-05-10
very knowledgable
Loventry Robinson
Loventry Robinson
2023-05-10
Jim is patient and very knowledgeable in his work. He helped me to get the Medicare advantage plan I wanted, and I am very satisfied.
Teresa Orr
Teresa Orr
2023-05-10
Jim was very helpful in explaining coverages and explaining the steps I needed to take to get Medicare. I highly recommend him. He is very knowledgeable on all aspects of care and made it easy for me to enroll in coverage.
Laurie Eisenbraun
Laurie Eisenbraun
2023-05-08
Jim was able to provide tailored Medical Gap policy solutions that fit my and my husbands individual needs. Jim is knowledgeable about all the potential policies that could work for us.
Denise Bensch
Denise Bensch
2023-05-04
I want to thank James Neil for making the Medicare Insurance sign up process so easy. He took what I thought would be a frustrating and confusing process, and made it a pleasure. He clearly explained our options and gave us information in an easy to understand manner. I will definitely recommend his services to friends and family.
Chris Bensch
Chris Bensch
2023-05-04
Mr. Neal is extremely knowledgeable & helpful. He did an excellent job of explaining how everything works and presented our options clearly. I'd strongly recommend anyone nearing retirement, considering a benefit change or simply looking for an overview of their options contact him.
Patrick Lennane
Patrick Lennane
2023-05-01
Awesome experience, explained all options clearly and made it easy to make a healthcare decision. Highly recommend!
KATHY TROHA-AUSTIN
KATHY TROHA-AUSTIN
2023-04-24
These two (Jim and Jennifer) were awesome. Extremely knowledgable about the entire process. Would highly recommend them.