How Do I Start Medicare & Supplemental Insurance?
When an individual approaches 65 he may wonder what he has to do to get his Medicare and Medicare Supplemental Insurance. Getting started may be easier than you think.
When an individual is 64 he often begins to plan for his Medicare benefits. What does a person need to do to start his Medicare coverage? Does he need Medicare Supplemental Insurance? How does he get Medicare Supplemental Insurance? These are questions one needs to have answered before his sixty-fifth birthday.
How Do I Start Medicare?
Original Medicare is the easiest to get started. In most cases the individual need do no more than open the Medicare package that arrives about three months prior to his sixty-fifth birthday. The original Medicare is an automatic enrollment if the individual is also signing up for his Social Security benefits. If the individual plans to continue working past the age of 65 delaying his Social Security payments he will need to contact the Medicare office to enroll.
How Do I Know When to Start My Medicare?
The basic Medicare program starts automatically. As soon as the Medicare package arrives the individual has his Medicare card. The Medicare eligible has a total of seven months to make all his Medicare decisions without any penalties. The seven months of open enrollment include the three months before the sixty-fifth birthday, the month of the sixty-fifth birthday, and the three following months.
How Do I Start My Supplemental Insurance?
During the same time period that one makes his Medicare decisions he should contact his private insurer for his Medicare Supplemental Insurance. While the basic Medicare program is automatic, the individual will need to initiate his Medicare Supplemental Insurance. The supplement will be purchased through a private insurer but must be done during the same time frame as Medicare enrollment to avoid premium penalties.
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