Thousands of people apply for Medicare each year, and it often only takes them all a few minutes apiece. If you are wondering how to apply for Medicare, then we have you covered here. We will talk about the application process and what it entails as well as what you do once you are approved.
Applying for Medicare
To apply, all you have to do is visit Medicare’s website and fill out the application form. As we said, this usually only takes a few minutes- about 10 for most people. Once you are finished, then you don’t need to do anything until you receive a reply from Medicare. Usually, that reply will be in the form of a Medicare ID card in the mail.
If there is a problem with your application, then you will probably need to just give Medicare some more information. Most people who apply, though, are approved, and it’s a fairly simple process for all of them. The basic requirements for eligibility into Medicare are that you are 65 years old and that you are a US citizen. However, you can get into Medicare without being 65.
You can actually apply up to three months before you turn 65 during the initial enrollment period. That enrollment period lasts until three months after your 65th birthday.
You can also apply long before that, if you have end stage renal disease or a disability of some kind. Those are usually the conditions for which exceptions are made to the age requirement, so if you think you may qualify, then you are welcome to apply.
You can apply for Medicare in 2019 at any time, but you may be rejected if you apply outside the enrollment period or you do not meet the basic requirements. You do not have to wait until you are retired to apply, though. Many people mistakenly believe that applying for Medicare is something that you only do once you are retired or preparing for retirement, but the truth is that you can continue to work long after you are approved for Medicare. However, your time in the workforce will determine your premiums- the price you pay each month for Medicare.
Where You Should Apply
You can do all your applying online for Medicare. The process is simple and quick, and it’s made accessible for anyone to use. If you have any questions during the signup process, you can always ask a Medicare insurance agent for help. You can always get assistance from Medicare employees, even if you are not signed up for Medicare yet.
You should only apply during the proper enrollment times, unless you have a medical situation that provides you with an exception to the rules and makes you eligible at other times. To apply online for Medicare in 2019 Click HERE.
General enrollment takes place from January 1st-March 31st. You can sign up during anytime in there. There is another time to enroll as well, known as Open Enrollment. This generally applies to other plans that are not sold by Medicare, so if you need add-on plans or need to switch out your current plan for something else, then this is when you should apply. Open Enrollment tends to come during November and December the year before the plans take effect. Plans purchased during Open Enrollment go into effect on January 1st the following year.
Now that you know how to apply for Medicare, let’s look at what you will be getting when you sign up.
Medicare Coverage for 2019
The basic plan gives you covers for Medicare Part A and Part B. However, you can opt to go with just Part A, if you like. You are given that choice because Part B comes with a deductible. That’s something you will pay once a year, and it costs you $183, unless you get it covered by an insurance plan.
You’ll pay a monthly fee for Medicare, and you’ll have to pay copayments on most of your hospital visits and doctor’s office visits. Keep all these costs in mind as you try to find the right plan and determine if Medicare is right for you. If basic Medicare is too expensive or does not cover you enough, then you should look at your other Medicare options through private insurance companies.
If you get both Medicare Part A and Part B as your insurance coverage, then you will be covered for all sorts of common medical expenses. A lot of your visits to the hospital and doctor’s office will be covered, as will nursing home care, ambulance services and hospice care. These may not all be covered entirely, but you will receive substantial coverage through Medicare. Part A covers a lot of inpatient services, while Part B covers many outpatient services. All this includes cover for lab tests, treatments, visits, checkups and more. If you are not sure if something is covered, then you can always ask your doctor or insurance agent for clarification before you go through with the service.
Coverage can change on these plans, so keep that in mind as you sign up. Medicare will let you know about coverage changes as they are upcoming, so you should not be taken by surprise. If you have not looked at the Medicare coverage in while, though, then it’s a good idea to update yourself before you apply.
There is plenty of time to sign up once you turn 65 or before. You want to take that time to make the best choice and ensure that you are choosing the kind of coverage that will work well for your situation. Just because Medicare is a good choice for your friends or family, that does not mean it is the best choice for you. Be sure to look at your options before you settle on a coverage plan for your healthcare costs.
Hopefully, you now better understand how to apply for Medicare in 2019 and what it is able to do for you. If you have further questions about signing up or what plans are available, you can always contact a Medicare agent for clarification.