Health is one of the most important aspects of your life. When you face health issues, the bills from the hospital can drain your finances. Hence, having health insurance can help you wade through the skyrocketing bills. In the USA, the government has Medicare, the health insurance program for a specific group of people. If you are 65 years or older, suffer from permanent kidney failure, or have disabilities, you become eligible for the insurance program. It takes away the burden of paying a huge amount for medical care.
Medicare is the federal healthcare program offering assistance to older or certain disabled people to get treatment without worrying about money. It encompasses four parts. Part A (hospital insurance) and Part B (medical insurance) come under the original Medicare. So, when you become eligible, the Social Security enrolls automatically. Private Insurance companies run Part C (Medicare Advantage Plan) and Part D (Prescription Drug Coverage) following the rules set by Medicare.
Now comes the important question. How can you apply for federal insurance? You can enroll in Part A and Part B when you become eligible for Medicare. Here are the following instances when you can expect automatic enrollment:
• When You Turn 65 Years
People receiving Social Security benefits or the benefits from the Railroad Retirement Board before turning 65 become automatically enrolled in Medicare Part A and Part B. It can occur on the first of the month when you turn sixty-five. For people not receiving the benefits, manual enrolment is possible. You can enroll during the seven months starting three months earlier than your 65th birthday including your birth month. It ends three months after your birthday.
• Suffer From Disability
You can qualify for original Medicare due to suffering from a disability. Automatic enrolment in Part A and Part B of Medicare can occur on the 25th month you receive disability benefits from the Railroad Retirement Board or the Social Security Administration.
• Lou Gehrig’s Disease or ALS (Amyotrophic lateral Sclerosis)
People suffering from Lou Gehrig’s disease automatically qualify for Medicare the same month they start receiving their disability benefits. Enrollment for Medicare takes place in the same month.
• End-Stage Renal Disease (ESRD)
Some people suffer from the end-stage renal stage. The enrolment procedure may work differently for such individuals. If they qualify, the enrolment depends on their specific situation.
As mentioned earlier, people ages 65 or above who receive retirements benefits become enrolled in Original Medicare automatically. But, not all qualify for retirement benefits. People who are not receiving retirements benefits by the time they turn 65 need to apply for enrolment manually. Here are the different ways you can apply for enrolment.
• Access the Social Security website to apply for enrolment. People who are not ready to retire can apply for accessing Medicare only.
• You can visit your local Social Security Office for applying in person.
• Call the Social Security office number 1-800-772-1213 Monday to Friday (From 7:00 A.M to 7:00 P.M).
• People who have retired from the Railroad Retirement Board can enroll in Medicare by calling the number 1-877-772-5772 Monday to Friday (9:00 A.M to 3:30 P.M) to contact a Railroad Retirement Board representative for further steps.
After you apply for Medicare, you can receive the Medicare card in the mail when the application has no issues. While Medicare can handle the cost of basic health care, it does not cover the cost of long-term care or other medical expenses. So, you need to buy insurance from a private insurance company to cover the gap. Are you looking for one such trusted insurance platform? Then, check quotemonster.org operated by Monster, Inc. The reputed insurance platform helps you get affordable health insurance after comparing the different ones available in the market. You can live with peace of mind as the medical expenses will not bother you anymore.