How to Enroll in Medicare

Understanding when and how to enroll in Medicare can be confusing. At Findlow Insurance in Forked River, NJ, we are ready to help facilitate a seamless Medicare enrollment process.

When to Enroll in Medicare

The Medicare initial enrollment period (IEP) is a seven-month window that includes the three months before, the month of, and the three months after your 65th birthday. Missing this window could result in penalties or delays in coverage. During the IEP, you can sign up for Medicare Part A (hospital insurance) and Part B (medical insurance), as well as any additional coverage you may need, such as Part D (prescription drug coverage) or a Medicare Advantage plan (Part C).

You’ll be automatically enrolled in Medicare Parts A and B if you receive Social Security or Railroad Retirement Board benefits when you turn 65.

If you miss your IEP or delay enrolling in Medicare after you’re eligible, you might have to wait for the annual general enrollment period, from Jan. 1 to March 31. This delay could lead to higher premiums for Part B and potential gaps in coverage.

Specific circumstances, such as having employer-sponsored health care coverage, may affect your Medicare enrollment timeline. If you need help deciding when to enroll or which coverage options are right for you, consider consulting with a knowledgeable insurance agent or contacting the Social Security Administration for personalized guidance.

Medicare Enrollment Steps

Here’s what you need to know about the steps of Medicare enrollment.

• Explore Medicare Advantage plans. If you’re interested in Part C, research Medicare Advantage plans available in your area. These plans often provide additional benefits but may have network restrictions.
• Choose your coverage. Decide whether you want Original Medicare (Parts A and B) or a Medicare Advantage plan (Part C). Consider your health care needs and preferences when making this decision.
• Enroll in Part D. If you opt for Original Medicare, consider enrolling in a Part D plan to cover prescription drugs—research plans in your area to find one that meets your medication needs.
• Gather the necessary information. Before enrolling, have your Social Security number, information about current health coverage and details about any prescription medications you take.
• Enroll online. Visit the official Social Security website to enroll in Medicare online. The process is straightforward and allows you to select the coverage options that suit you best.
• Visit a local office. If you prefer one-on-one assistance, you can enroll in person at a local Social Security office. Remember to bring your identification and necessary documents.

Contact Us

Contact Findlow Insurance today to receive the guidance and support you deserve as you take this essential step toward securing your healthcare coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.