In most cases, Medicare enrollment is open between October and December. The problem is that Medicare is a huge winding maze of uncertainty. It confuses most people to the point where they are just making their best guess as to what their next step is. So I am going to provide you with several tips that you must follow when enrolling in Medicare.
Let’s start off with two essential facts:
- Everyone who signs up is going to go through the Social Security Administration. That is the agency where you will direct all questions and complete the actual registration.
- If you are already receiving Social Security benefits before you turn 65, you’re not going to have to do anything at all. You will automatically be registered for Medicare Part A. Then you will be transferred to Medicare Part B at the start of your 65th birthday month.
Now let’s move onto to some tips to help you through this stressful time.
This is not an area where you should procrastinate. Begin the application process as soon as possible. You should start applying at least three months before your 65th birthday. Visit your Social Security office or sign up online. No matter what you choose, it’s important that you start now.
Understand the Different Types of Medicare
Study each plan carefully and try to get a clear understanding of all available plans. Here is a quick look at each Medicare plan:
- Plan A covers medical facilities
- Plan B covers medical Facilities
- Plan C mimics private insurance plans and serves as an alternative to Plan A or Plan B.
- Plan D is a prescription drug plan and used to supplement gaps in coverage.
You also need to start getting used to the language used in Medicare so that you are able to make better choices.
Get Research Assistance
You should get someone to assist in your research if you are having trouble. A trusted family member or friend can be a valuable aid. This is especially true if they have already dealt with issues related to Medicare. They are an amazing resource if you are confused or intimidated by the overall process.
Call the Social Security Office
Don’t be afraid to contact your local Social Security office if you have any questions. If there is anything you don’t understand, then they should be able to help. Do not sign or agree to anything without fully understanding it. Keep asking questions and stay on the line until all of your questions have been answered.
Call at the Right Time to Avoid Delays
Choose the right time to call and you will avoid long delays. Avoid calling anytime close to the first of the month or early in the morning on Monday or Friday. The best time to call is between Tuesday and Thursday.
Try Not to Get Stressed
Applying for coverage is not as scary as many people tend to believe. Sure, there is a lot of bureaucracy around it and the terminology can be confusing, but there are people who are willing to help. It’s a logical and precise system once you get the basics down. Don’t let it stress you out.