For Medicare plan choice info for individuals about to turn 65, call Just Us Insurance.
Is your 65th birthday coming up?
- Individuals have a seven month interval, called the “Initial Enrollment Period” to sign up for Part B. To sign up for Part B, people have up to three months before or after their 65th birthday to complete Registration.. If you elect to register after your 65th birthday, your plan won’t start until the following month. An example of this would be if an person waited until their 65th birthday in January to enroll, their plan wouldn’t go into effect until April. Your local Social Security Administration Office can help you in signing up for your Part B Plan..
- For every 12 months that passes, while you are not enrolled for Plan B, you can be penalized up to 10%. Once you have registered for Part B, you will pay an additional 10% of the current premium for Part B insurance.. If the part B premium is $100/mo, you are going to pay $110/mo. You will have to pay this penalty for the remainder of your life.
- The 1st of January is when the Part B Enrollment Period starts and it ends on March 31st. You should enroll during this period to make sure you’ve got coverage for that year.
- July 1st is when your Part B coverage will start, you will not have any Part B coverage before the seven month window comes to an end.
- Your coverage starts on your Part B effective month, and you’ll not have to pay for your coverage until this date.
- The first month this can go into effect is your 65th birth month, unless your birthday falls on the 1st of the month, in which case, your effective date will be the 1st day of the month prior to your birth month.
- You should subscribe to a Medicare Advantage Plan or Medicare Prescription Drug Plan within three months of your Part B effective date.
- You have up to 6 months after your Part B effective date to subscribe to a Medicare Supplement Plan as a “Guaranteed Issue”. Outside of the window, you’re allowed to register, but your program would go through medical underwriting and there’s a possibility you can be denied coverage.
Retiring or Losing Existing Coverage?
- You only have 63 days after you lose credible coverage by which to subscribe to Part B. Should you miss this period, the above penalties & deadlines apply..
- COBRA is not regarded as credible coverage.
- If your workplace is providing you with insurance coverage for a set amount of time ( let’s say 1 year of severance), you are not required to enroll for Medicare Part B because you’ve got credible coverage, YET, you must subscribe to Part B no later than 8 months after you quit working, regardless if you still have credible coverage from your employer..
- You can have double coverage, and Medicare would be considered the “first payer”. This is generally allowed for people with VA Benefits, or Union insurance coverage. In case you give up your Union coverage (terminate it to register for Medicare), you may not have the ability to get it back.
Are You Relocating to A Different State or Moving From A Different County?
You must register for your Medicare Part B plan within 63 days of formally moving. This time frame is recognized as a “Guaranteed Issue” span so you can’t be denied coverage. These 63 days begin after you have talked about your move to the Social Security Administration.
Are your Medicare Choices Being Reviewed Each Year?
- Contact us today for a Private Medicare Assessment free to you for our services! 760-822-3385
Are you about to turn 65 years old?
Let’s help you review your:
- Medicare Prescriptions Drug Coverage
- Medicare Supplement Coverage
- Medicare Advantage Coverage
We Provide the Following at Just Us Insurance:
* AARP/United Health Care
* Anthem
* SCAN
* Blue Shield
* CareFirst
* Humana
* Aetna
* Health Net
Receive Your Free Medicare Consultation, Call Just Us Insurance if you wish to find out more about the coverage choices offered for you.
Just Us Insurance
877-777-7055 FREE / INSR4U.com
Just Us Insurance is located in Oceanside CA.
To assist you, our Agents offer in home appointments in
Oceanside, Carlsbad, Vista, San Marcos, Escondido, Temecula,
Murrieta, Santee, El Cajon, San Clement, Mission Viejo, and Big Bear Lake.
Just Us Insurance operates in San Diego, Riverside, Orange and San Bernardino Counties.
92058,92057,92056,92054,92052,92051,92049
92010, 92011,92008,92009,92013,92018
92083, 92084, 92085, 92081
