One of the biggest mistakes we see people make is not enrolling in Medicare when they should. They get their dates mixed up, they aren’t sure what enrollment period is best for them, and so much more. Don’t fall victim to missing these details!
At Zero Bullshit Insurance, we’ll tell you everything you need to know about Medicare enrollment. So, let’s get into it so you don’t have to wait any longer.
Automatic Enrollment
If you have already started your Social Security benefits prior to age 65, your enrollment in Medicare should be automatic. If you have not yet started receiving Social Security benefits prior to age 65, you will need to go to the Social Security website or your nearest Social Security office and enroll yourself in Medicare.
If you have to enroll yourself, you will want to do so during your Initial Enrollment Period.
Initial Enrollment Period
Your Initial Enrollment Period will start three months before you turn 65 and last up until three months after you turn 65. If, for any reason, you need any assistance enrolling during this period, we can help. We’ll walk you through the process and take you step-by-step. We’ll take a look at your particular situation and help you determine if you should only enroll in Medicare Part A, or both Part A and B.
Other Enrollment Periods
Some individuals new to Medicare don’t always realize that there are more enrollment periods than just their Initial Enrollment Period. We don’t want you to make the mistake they did and miss out on other periods that could be beneficial to your situation. Here are the other Medicare enrollment periods you should take note of:
General Enrollment Period
- This period is available if you missed your Initial Enrollment.
- Occurs from January 1 to March 31 every year.
- Coverage for those who sign up during this time begins on July 1.
- Enrolling during this period may result in late enrollment penalties.
Special Enrollment Period
- You may be able to delay your enrollment in Medicare without facing late enrollment penalties if you qualify for a Special Enrollment Period.
- People who change where they live, lose their current coverage, have a chance to get other coverage, or have plans that change their contracts with Medicare may be eligible.
Annual Enrollment Period
- This period runs from October 15 to December 7 every year.
- During this time, people who are already enrolled in Medicare can join, switch, or drop a plan.
- Coverage changes begin on the following January 1.
- Changes can include joining a Medicare Advantage plan, switching to a new Medicare Advantage plan, joining a Part D drug plan, switching from one drug plan to another, and more.
Medicare Advantage Open Enrollment Period
- This period occurs during January 1 to March 31 and is only available to those already enrolled in Medicare Advantage.
- You can switch from one Medicare Advantage plan to another plan, with or without drug coverage.
- You can also drop your Medicare Advantage plan and return to Original Medicare.
Medicare Supplement Open Enrollment Period
- This six-month period begins when you are 65 and are enrolled in Medicare Part B.
- During this period, you can enroll in any Medigap plan without being turned away or charged more due to your health.
Don’t Waste Any Time, Get Your Coverage Now
Our Medicare experts are ready to help you through the enrollment process so you don’t have to miss out on valuable coverage. Give us a call today to schedule your appointment and get the process started.
