Health Care Choices For Minnesotans On Medicare - Metropolitan ...

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Health Care Choices for Minnesotans on MedicareMedicare Parts A, B, C and D Enrollment: What you need to knowEnrollmentPeriodPart A and Part B Initial Enrollment Period (IEP)Part A and Part B General Enrollment Period (GEP)Part B Special Enrollment Period (SEP)Applies toMedicare A, B, C and/or D?Part APart BPart APart BPart BLength ofenrollmentperiod?7 months 120 days per yearJanuary 1–March 31 of each year8 monthsWhen does it begin and end?Medicare eligibility due to age:7 month time frame3 months before your 65 th birthday;1 month of your 65 th birthday;3 months after the month of a your 65 th birthday.Medicare eligibility due to disability:first day of the 25 th month of receiving SocialSecurity Disability Insurance (SSDI) or certaindisability benefits from the Railroad RetirementBoard.January 1–March 31 of each year Begins the month after your employment ends or theemployer group health care coverage ends, which everhappens first.Important: Even if you take COBRA benefits, the8-month SEP begins when your employment ends.Medicare eligibility due to ALS (Lou Gehrig’sdisease):first day of the month your Social Security orRailroad Retirement Board disability benefitsbegin.EnrollmentprocessIf you are eligible for Medicare and also eligiblefor retirement or disability benefits, you willautomatically be enrolled in Medicare Parts Aand B. Social Security will mail you a packet,including your Medicare card.IMPORTANT: If you do not want to enroll in PartB, you need to follow the instructions containedwithin the information you receive from SocialSecurity. A penalty may apply if you enroll at alater date and did not have employer health groupcoverage.If you are not receiving Social Security or RailroadRetirement benefits, due to retirement or disabilityyou will need to enroll in Medicare on your ownwith the Social Security Administration (phone1-800-772-1213; website ssa.gov).People who did not enroll in Part A orB during their IEP, or terminated theirPart A or Part B benefits and want tore-enroll, may enroll in either or bothPart A and/or Part B during the GeneralEnrollment Period (GEP). If you enrollduring the GEP, your benefits will beginthe following July 1.You can sign up for Part A and/or Part B without apenalty anytime that you or your spouse (or familymember if you’re disabled) are working, and you’recovered by a group health plan through the employer orunion based on that work. If that coverage ends, you cansign up during the 8-month period that begins the monthafter the employment ends or the group health plancoverage ends, whichever happens first.Only available if you, your spouse, (or family member ifyou are disabled) are working, and you’re covered by agroup health plan through the employer or union basedon that work.18
A publication of the Minnesota Board on Aging Senior LinkAge Line ®When willMedicare coverage begin?What happens if you do not enrollwhen eligible?Specialinformation• If you enroll (or are automatically enrolled) inMedicare during the first three months of theinitial enrollment period, Medicare coveragestarts on the 1 st day of the month in which youturn age 65.• If you enroll in the month of your 65 th birthday,coverage starts on the 1 st day of the next month.• If you enroll in the 5 th month of your IEP,coverage will start 2 months after enrollment.• If you enroll in the 6 th or 7 th month of the IEP,coverage will start 3 months after enrollment.If receiving disability benefits from Social Securityor RRB, coverage will start the first day of the 25 thmonth after your benefits begin.If you do not enroll in Medicare Part A when firsteligible, you may have to pay a penalty equal to10% of the current Part A premium.If you delay your enrollment into Part B untilthe GEP, you may have to pay a late enrollmentpenalty equal to 10% of the current Part Bpremium amount for each 12-month period youdelayed enrollment. The penalty applies unlessyou had creditable coverage from an employergroup health plan.If you have end-stage renal disease (ESRD)and need dialysis on a regular basis or a kidneytransplant, you can get Medicare Part A and PartB within 3 months of your first dialysis treatment.July 1 1 st day of the month following enrollment into Medicare.If you delay your enrollment into PartB until the GEP, you may have to pay alate enrollment penalty equal to 10%of the current Part B premium amountfor each 12-month period you delayedenrollment. The penalty applies unlessyou had creditable coverage from anemployer group health plan.Varies, possible penalty.If you are 65 years old or older and owethe penalty, you have to pay the penaltyfor as long as you are enrolled in Part B.If you are younger than 65, haveMedicare because of a disability andowe the penalty, the Part B penalty willend when you turn 65 and qualify forMedicare coverage based on age.Call the Senior LinkAge Line ® at 1-800-333-2433 formore information.19
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