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Medicare: Eligibility and Enrollment

Who is eligible for Medicare? Basically, two groups are eligible for Medicare.

• Most people 65 and older
• People younger than 65 who have certain disabilities and illnesses

You might assume that signing up for a big government program like Medicare would be confusing. But it's usually easy. Most people are signed up automatically.

Medicare Eligibility and Enrollment for People 65 or Older

Any U.S. citizen who is 65 or older is eligible for Medicare. If you're already getting Social Security checks, enrollment into the program should b automatic. You'll get your Medicare card three months before your 65th birthday. Your Medicare Benefits kick in on the first day of the month of your 65th birthday.

If you're not getting Social Security payments already, you have to enroll in Medicare. The Social Security Administration (SSA) handles the enrollment process for Medicare. Call SSA at (800) 772-1213, or apply at your local Social Security office. Apply three months before your 65th birthday. That way, you can be sure that your benefits will start exactly on time.

Medicare Eligibility and Enrollment for People With Disabilities and Illnesses

Regardless of age, people with Lou Gehrig's disease, kidney failure, and some other disabilities also get Medicare. However, they might have a waiting period before they can get Medicare benefits. Here are the details.

• Lou Gehrig's Disease (ALS.) As soon as you get Social Security Disability benefits for ALS, you should be automatically enrolled in Medicare. There is no waiting period.
• Kidney failure. To qualify, you must have end-stage renal disease and need dialysis or a kidney transplant. Usually, you can't get Medicare until three months after you start dialysis. Once you've been diagnosed with kidney failure, call the Social Security administration at (800) 772-1213 to enroll in Medicare.
• Other disabilities for which you get Social Security Disability benefits. You can't get Medicare until two years after you qualify for Social Security Disability. At that point, the Social Security Administration should sign you up automatically.

Pay close attention to Medicare deadlines. In general, Medicare limits your ability to add or drop coverage after official enrollment periods. Here are some details:

• Initial Enrollment Period. If possible, always sign up during your "initial enrollment period." This lasts seven months, starting three months before the month of your 65th birthday and ending three months after. During this time, you can sign up for any Medicare coverage you would like.
• Other enrollment periods. Once you're in a program, you can only make changes during specific enrollment periods. The dates depend on the program. General enrollment in Medicare Part B between Jan. 1 and March 31, with your coverage beginning in July of that year. For Medicare Part D (Prescription Drug Coverage), most people can only enroll or make changes to their plans between Nov. 15 and Dec. 31 each year.
• Watch out for Medicare penalties. If you don't sign up during your initial enrollment period for some programs -- like Medicare Part B and Medicare Prescription Drug Coverage (Part D) -- you might pay a higher monthly fee when you sign up later. There are some exceptions. If you have drug coverage now that is as good as Medicare's or better, you shouldn't be charged a late penalty if you sign up later. Likewise, if you (or your spouse) are still working when you turn 65 and have health insurance through that job, you can wait to sign up for Part B without having to pay higher premiums.
• Sign up for a Medicare Supplemental insurance policy early. If you need a Medigap Insurance plan, you should buy it within six months of getting Medicare Part B. During that period, you're protected. You're guaranteed to get any Medigap plan you want. But if you try to buy it after those six months, the insurance company can charge you a higher price or turn you down altogether.