I'm gonna talk about Medicare sign up and what you need to know when it's time to come into Medicare. These are important dates
So stay tuned, okay
Let's talk about signing up for Medicare and the time period that you need to get things
Completed so that everything goes the way that it's supposed to go and it really isn't terribly complicated
but people do get confused by it and
Certainly better to do it earlier than later just makes everything so much easier if you get it done get it out of the way
It'll be set up for when you need it to start and that way you don't have new worries or any trouble
so I'm going to show you the the
avenues and kind of when people come into Medicare and generally there's two
Large scenarios for people coming into Medicare either you're turning age 65
And you're gonna come into Medicare or you've continued to work past age 65
And you've stayed on your group insurance and now you're gonna retire
67 69
75
Doesn't really matter and now you're ready to come into Medicare
It's exactly like you're turning 65, but the timelines we need to understand and then again you need to do it early
So there's not a problem. There's so many times where we run into time crunches
Because we're dealing with the government and they aren't gonna just flick a switch when you tell them to flick a switch
So let's start off by talking about turning age 65
So when you are going to come into Medicare when you're turning age 65
first thing to understand
Is it's going to start on the first of the month of?
the month that you turn 65, so if you're born on June 15th
Your Medicare is gonna start on June 1st
Now the only exception to that is if you're actually born on the 1st of the month
If you're born on the 1st of the month, it's going to start the 1st of the previous month
So if you're born on June 1st, your Medicare is going to start on May 1st
So you certainly need to understand that because you need to set things up
Well ahead of May 1st
For your Medicare to start if you're born on the 1st of the month so you can see here in the diagram
There's a 7 month window where you can sign up for your Medicare Part B
And that's really what we're talking about Part A is relatively automatic. So really nothing you need to do with Medicare Part A
It's Medicare Part B
That you need to initiate and you have this window where you have three months before the month of your 65th birthday
the month of and three months after the month of your 65th birthday now if you need Medicare to start
When you turn 65, there's absolutely no reason to wait until after you've turned 65 to do it
So you really need to set it up if you can do it three months before the month of your 65th birthday
Terrific or at least two months just get it out of the way
So if you're in June then do it in April set it up in April
So it's gonna start on June 1st
And then that way you don't have any worries
Come the end of May on whether things are gonna get done because it can get a little dicey if you wait till the end
Now in starting your Part B a whole different story on how to do it
But I have a URL to get you where you need to go and I have a video certainly on how to sign up
But you do it on social security's website. You don't do it on Medicare's website
you do it on social security's website and if you go to
Start Part B calm it's gonna take you right to the page. Where you sign up
and again
I have a video on that if you want to watch the video on how to sign up but just go to start Part B
Com takes you right to the page where you apply online?
Pretty easy cut and dry now the next scenario is if you are going to retire so you have worked past age 65
Now you're hopefully 66, but maybe you're 72. You're still working. You're still in your group plan you're coming off
You're going to go into Medicare
Your Medicare is going to start on the 1st of the month from when your group coverage is going to end
Now this you really need to do ahead of time because it's a little more of a process in just a little bit more complicated
But you need to get it done ahead of time
so when you know when you're gonna retire
When you know that date that your group coverage is gonna end and keep in mind group coverage
We're not talking about Cobra or retiree benefits
Those are different scenarios and they aren't really considered credible coverage
so you want to come into Medicare when your regular group insurance is going to end and
So let's say it's going to end on June 1st. You really need to be setting this up no later than April because
more of a process that may not be able to be done online and they're gonna need from you a
form that
shows that you have had
Credible coverage up until when you retire so they want proof of credible coverage
And we'll show you where to get that form in just a second, but it's just a little more of a process
It's also been my experience when you're retiring past age 65
They don't want you to do it online
They want you to come in in person
And a lot of times they want you to make an appointment to come in in person and that appointment can be two weeks off
Can be three weeks off can be more than that depends upon the office on where you need to go and how well they function
so keep that in mind you need to set this up way ahead of time so that when you make that appointment
There's still enough time to get it in place for when you're gonna retire
so by all means do it as early as you possibly can now to get that form that you're going to need if you're gonna
retire
Pretty easy to do if you just go to my website
Medicare on video comm got a lot of great information here that you might need now or in the future
You can see right here in the middle. You can get an immediate quote on your Medicare supplement coverage
So just putting your basic information and will get you the best plan at the best price in your area
We don't share your information with anybody. We don't sell it to insurance agents like most of these quoting sites
Strictly between you and us and we will provide the best
value to you in your zip code
So make sure you fill that out and then you can go to the resource center
And if you hover over the Resource Center
It's gonna drop down and you can see guides and forms and if you go into guides and forms
I have a lot of downloadable information in here that may be good for you now may be good for you next year
so make sure you remember how to get back here because
Things change and there's a lot of information here that you might find very helpful
But right here you see the employer coverage form
So that's what you need if you're retiring and you need to show proof of credible coverage
So go ahead and go ahead and download that form
You can email it to your HR department and they can fill it out and get it back to you
Early early early and then you'll have that to give to Social Security
So you don't have a penalty on your Part B
And while you're in guides and forms looking around again great stuff here
if you want a discount prescription drug card
Feel free to download that there's no cost to it
If you want a copy of my book Medicare made clear got coverage on just about every piece of Medicare in there
so whether you need it now or in the future go ahead and download it and you'll have it on your
IPad or your laptop or your desktop, whatever it may be and you've got access to it whenever you want it
so I'm happy to help you with any of this stuff and
Feel free to browse through and then utilize as much as you want and if you want to see more of my videos
YouTube is really the best place because it's easier to search on youtube
so if you go to
Kisa videos comm brings you right to my youtube channel and
Just use this little magnifying glass at the top and you can put in whatever
Topic you're looking for and bring up the videos that relate to that topic
So if you need information on Part B, just put in Part B
It'll bring up any video that I have on talking about Part B
so I hope you find that helpful and this is obviously what I do is I help people across the country to
figure out their Medicare choices
I'm an insurance broker
No cost to you whatsoever to use me to help you and and I have access to any insurance carrier out there
So I do not work for an insurance company. I I work for you
so my goal is to find the best value for you and
Make sure we get it right the first time because this is certainly an important decision
Likely to be with you the rest of your life and we absolutely want to get it right the first time
So I hope you found this information helpful, and if I can help just send me an email
Give me a call visit my website. I'm happy to help and I hope you have a fantastic day