Basic Introduction to Medicare Pt 2

Most newly recruited local and state employees who are not covered by social insurance began paying for hospital insurance from April 1986. Persons not otherwise eligible for Medicare but are above the age of 65 may take out a monthly insurance premium.


Medicare entitlement for social security and beneficiaries in connection with rail traffic begins on the 1st day of the first month in which the person reaches the age of 65 years. This is also the day in which individuals who are not eligible for Medicare may become eligible for insurance coverage.


Persons who receive social security or railway pension benefits are entitled to Medicare insurance in the 25th month in which they receive these benefits. Persons with end stage renal disease are usually considered on the first day of the third month of kidney dialysis treatment. Persons with Lou Gehrig’s disease are entitled, if they are entitled to social security benefits, without a waiting period of twenty-four months.


How to apply

Quotes for a 2019 medicare supplement are available here

Applying for Social Security or Pensions will automatically trigger a Medicare Part A and Part B enrollment. However, as participation in Part B requires a monthly premium and is voluntary, individuals are offered the opportunity to refuse registration in this aspect of the program.


An individual who is not eligible for Medicare on the basis of social insurance or  railroad pension benefits must make a separate application for Medicare and agree to pay monthly dues. An individual can choose not to apply for social security or travel benefits at the age of 65, and will still be eligible for Medicare insurance. In this case, the individual is required to make a separate application for Medicare benefits. The application for benefits can be done at any social security office. Beneficiaries of railroad retirement should contact the Railroad Retirement Board for registration.


Coverage and Enrollment:


An individual may apply to be enrolled in Medicare 3 months before the first month of entitlement and 3 months after their first month. This period is called “initial enrollment period”.


In the first three months of the original enrollment period, enrollment will result in coverage starting on the first day of the first month in which the person reaches the age of 65. Enrollment in the month in which the person reaches the age of 65 leads to the beginning of the following month. Registration during one of the 3 remaining months of the registration period will lead to coverage commencing on the first day of the second month following the month in which the person registers.


Also there is a “general enrollment period” that takes place in the first 3 months of every year. A person who fails to sign up during the initial eligibility period can enroll in Part B of Medicare only during this general period. For late enrollment, the individual may be required to pay an extra fee, unless it falls under the terms of the working senior.


Registration in Part A can be done at any time. Cover may be retroactive for up to six months, except the person is required to purchase Part A coverage.