Who Can Enroll In Medicare?

You’re entitled to Medicare if you’re at least 65 and a U.S. citizen, or a permanent legal resident for the past five years. Medicare also covers some disabled people under age 65. People who receive Social Security disability insurance usually become eligible for Medicare after a two-year waiting period, although those with end-stage renal disease (permanent kidney failure) are enrolled automatically upon signing up and those with amyotrophic lateral sclerosis (ALS, also known as Lou Gehrig’s disease) are eligible the month disability begins.

Original Medicare

Medicare, is a government sponsored health insurance program for people over 65 and those with certain disabilities. Knowing the basics of how Medicare works can help you understand some of the expenses you’ll face. As you approach age 65, you’ll need to decide how to deal with some of those coverage gaps.

Medicare Part A

  • Covers Hospital Stays
  • Covers Skilled Nursing
  • Covers Hospice Care

Most people don’t have to pay a premium for Part A. You’ve already paid into the system in the form of the Medicare tax deductions on your paycheck.

However, Part A isn’t totally free.

Medicare charges a hefty deductible each time you are admitted to the hospital. It changes every year, but for 2022 the deductible is $1556.

Medicare pays for virtually all hospital services for the first 60 days you’re in the hospital. There are some exceptions — it won’t pay for a private room for example.

If you are a U.S. Citizen or permanent resident and have not worked long enough to qualify for Medicare, you may be able to buy into the program by paying a Part A premium.

Medicare Part B

  • Covers Doctor Visits
  • Lab Tests
  • Diagnostic Screenings
  • Medicare Equipment
  • Ambulance Transportation
  • Other Outpatient Services

Medicare Part B involves more costs, an you may want to defer signing up for it if you are still working and have insurance through your job or are covered by your spouse’s health plan. (See Continuing to Work with Medicare). But if you don’t have other insurance and don’t sign up for Medicare Part B when you first enroll in Medicare, you’ll likely have to pay a higher monthly premium for as long as you’re in the program. (See more about Late Enrollment Penalties).

The federal government sets the Medicare Part B monthly premium, which for 2022 is $170.10. It may be higher if your income is more than $91,000 as a single person, or $182,000 for a married couple.

You’ll also be subject to an annual deductible, set at $233.00 for 2022. And you’ll have to pay 20 percent of the bills for doctor visits and other outpatient services. If you are collecting Social Security, the monthly premium will be deducted from your monthly benefit.

I am turning 65 soon! When Should I Enroll In Medicare?

How to Enroll into Original Medicare!

Enroll Into Medicare Part A and Part B

There are 3 ways to enroll into Medicare Part A and Medicare Part B:

  • Call the Social Security Office directly at 1-800-772-1213
  • Apply Online
  • Visit a Local Social Security Office

Choosing the Right Medicare Plan!

Original Medicare doesn’t cover everything. You want Medicare coverage that fits the way you live and helps you achieve your health and financial goals in retirement. With the right guidance, choosing your Medicare plan can be easy. Let us help you find the coverage that meets your total health needs.

Compare affordable Medicare Plans available in your area

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