How to Enroll in Medicare - Compass Insurance Advisors
  • Estimated reading time: 3 minutes

    How to Enroll in Medicare

    Many people wonder how to enroll in Medicare. Enrolling in Medicare is simple – your cards will be automatically mailed out to you three months before you turn 65, or in the 25th month you receive disability benefits. If you are not automatically enrolled in original Medicare, you can also enroll in Medicare Part A and/or Medicare Part B by doing any of the following:

    • Visiting www.SocialSecurity.gov and signing up online
    • Calling Social Security at 1-800-772-1213 (TTY users 1-800-325-0778), Monday through Friday, from 7AM to 7PM
    • Visiting your local Social Security office

    *If you worked at a railroad, enroll in Medicare by contacting the Railroad Retirement Board (RRB) at 1-877-772-5772 (TTY users 1-312-751-4701). You can call Monday through Friday, 9AM to 3:30PM, to speak to an RRB representative.*

    Most people also enroll in a Medigap or Medicare Advantage plan because original Medicare does not have a maximum out of pocket limit. This can leave you liable for large out of pocket costs.  For example, if you receive a $100,000 medical bill, you will pay the full 20% or around $20,000. Our local agents can help you understand these plans, or you can get an online quote here.

    Denying Coverage

    Part A has a $0 monthly premium, and you are enrolled automatically. For most people the Part B premium costs $148.50/month, but that can increase with income. You can deny Part B coverage, but your monthly Part B premium could be 10% higher for every full 12-month period that you were eligible for Part B, but didn’t take it.

    In order to deny Part B coverage, you can simply mail your cards back following the instructions you receive with the cards. You can also use the resources listed above in the “How to Enroll in Medicare” section.

    If you are currently enrolled in qualified coverage through your workplace, you have the option to defer your Part B premium with no penalties.

    Know Whether You’re Eligible to Enroll in Medicare

    If you’re eligible, your enrollment period begins three months prior to your 65th birthday, the month of your 65th birthday, and ends three months after your birthday. You, therefore, have a total of 7 months for your initial enrollment period.

    Before you enroll in Medicare, you need to know the eligibility requirements. Medicare Part A coverage is available for most people aged 65 or older that have worked and paid Medicare taxes for about 10 years. The spouse of someone who has worked for at least 10 years is also eligible. You may also be eligible because of disabilities, permanent renal failure, or ALS. You’ll also be eligible for these health insurance programs if you have end-stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS).

    You can delay Medicare Part B enrollment if your employer already covers you. Before you do so, it’s crucial to confirm every detail with your employer’s health benefits administrator. If you don’t want to keep your Medicare Part B coverage, you can drop the coverage. You can do so by sending back the red, white, or blue card you receive from social security and notifying them in writing. If you choose to keep the cards, then you’ll have to start paying the required premiums.

    How to Enroll in a Medicare Supplement or Medicare Advantage Plan

    Looking through a list of possible supplement of advantage plans online can be confusing. An online quote generator does not understand your unique situation. Talk to one of our local advisors or get a quote by using the sidebar. Our local advisors are brokers and not simply contracted with one carrier. They have access to all of the best options available in your area. Our local agents will strive to do their best to earn your long-term business by being there for you every step of the way.

    To learn more about these options visit our Medigap vs. Medicare Advantage page.  For a basic understanding of Medicare, visit our page Medicare Basics.

  • Leave a Reply

    Your email address will not be published. Required fields are marked *

Need Help?

Speak To A Certified Compass Agent Today!

(801)901-3519

Monday - Friday 8:00 am - 9:00 PM


Or Find Affordable Insurance Plans

Related Articles

Dynamic Blog Short Description

  • The American Rescue Plan Act

    Estimated reading time: 2 minutes The American Rescue Plan Act has made significant changes in the health insurance plans on the individual marketplace. If you have an individual health insurance plan, reach out to one of our agents for a free, personalized review of how your plan has changed.

    Read More
  • Preventative Care

    Estimated reading time: 3 minutes Any of the following preventative care items are available for FREE with any health insurance plan that meets the minimum essential care as outlined in the Affordable Care Act. Preventative Care for Adults Abdominal aortic aneurysm one-time screening - Fo

    Read More
  • Enhance Your Health Plan with Supplemental Coverage

    Estimated reading time: 3 minutes Why Supplemental Coverage Medical bills are the #1 reason for bankruptcies in America. Even people WITH health insurance coverage may have trouble paying their medical bills, but supplemental insurance can help. Many people have to claim bankruptcy due to a

    Read More
  • Health Insurance Plan Types

    Estimated reading time: 4 minutes When shopping for health insurance plans as an individual, you have options. Listed below are the most common types of health insurance. If you need help understanding what you qualify for or which option will work the best for your situation, reach out to one

    Read More
  • Understand Your Health Insurance

    Estimated reading time: 4 minutes Understand Your Health Insurance It is important to understand how health insurance works so that you can make the best decision for yourself and your family. Reading through a list of technical terms can still be confusing, so we have included an infographi

    Read More
  • Medigap vs. Medicare Advantage

    Estimated reading time: 3 minutes Choosing the Right Plan When enrolling in Medicare, you have choices to enhance your plan. You can keep original Medicare, add a Medicare Supplement, or enroll in a Medicare Advantage plan. Original Medicare has no max out of pocket limits. So if you have a $100

    Read More
  • How to Enroll in Medicare

    Estimated reading time: 3 minutes How to Enroll in Medicare Many people wonder how to enroll in Medicare. Enrolling in Medicare is simple - your cards will be automatically mailed out to you three months before you turn 65, or in the 25th month you receive disability benefits. If you are not

    Read More
  • Understand Medicare Basics

    Medicare is the United States' health insurance program for people age 65 and older, have disabilities, or have permanent renal failure. Here is a brief breakdown of the different parts of Medicare and what they cover. Give us a call or schedule a time to talk to one of our advisors if you are fee

    Read More
  • The Most Common Causes of Bankruptcy

    Estimated reading time: 6 minutes The following article was originally published on Investopedia, and it reviews the most common causes of bankruptcy. Medical expenses is the top reason for bankruptcy in America. In the event of a large medical claim due to a hospitalization or accident there ar

    Read More

What Others Say About Us

Our Customers Love Us

  • John Bird was referred to me by a friend - now I won't go anywhere else. He was exceptional in helping me to find the right plan for my family and saved me $1,500/month! I highly recommend him, he... Read More Stephen P
    SOURCE:Facebook
  • "Patrick is exceptional! Professional, understanding, flexible, and knowledgeable! Thanks a million!" Randy B
    SOURCE:Facebook
  • Great place to work, Abby, Arthur, Royce, and Shem all helpful Craig H
    SOURCE:Facebook
  • Arthur, is a very considerate and dedicated advisor. I recommend him highly. Randy G
    SOURCE:Facebook
  • We would never have survived the medical insurance maze without the guidance and support of Jennifer Nielsen. She walked us through 3 very difficult insurance dilemmas. Her effort was way above and... Read More Greg H
    SOURCE:Google
  • Shem has been awesome to work with! A friend referred him to me and he gave me some much needed health insurance advice. Contrary to what I previously thought, you don't have to navigate the... Read More Kari M
    SOURCE:Google
  • "Dave Smith is the best when it comes to insurance advisors. My husband and I have been working with him for a few years now, and we are never disappointed. Dave is always there to help us; he... Read More Joanna L
    SOURCE:Google
  • "I needed to get signed up for health insurance and Clayton helped me find a plan that fit my needs. He was very helpful and got me all of the information I needed that day, he even drove to my house... Read More Eric F
    SOURCE:Google
  • Arthur was more than willing to walk me through the process, answer questions and upload documents for me Paula F
    SOURCE:Google
  • Shem Barlow has taken care of all our medical insurance needs with dental, vision and health coverage. He has taken care of the headache to navigate the marketplace and always makes sure to complete... Read More Sarah J
    SOURCE:Google
  • Kimber Crofts went above and beyond to make sure me and my family were taken care of. She was great to work with and didn't come up short. Carl J
    SOURCE:Facebook

Let Us Help You Find A Health Insurance Plan

No Extra Cost. Professional Guidance. Quick Analysis. Complete Protection. Simplified Enrollment. Personalized. Support.