When you have just turned 65, are new to Medicare, or are uncertain in regards to the plan choices open for you, call Just Us Insurance for the free consultation..
Is your 65th birthday coming up?
- You’ve got a timeframe of seven months offered to sign up for Part B. This is considered your “Initial Enrollment Period” To make sure you’re registered in your Part B coverage, you should enroll three months before or after your 65th birthday. Should you opt to register after your 65th birthday, your coverage will not go into effect until the subsequent month. For instance, should you turn 65 years old in January, and also you wait until February to enroll for your own Part B plan, your coverage begins on April 1st.. People must visit the Social Security Administration Office in person to sign up for the Part B Plan.
- Should you miss enrolling for the Medicare Part B Plan during the Initial Enrollment Period, you will end up penalized 10% for every year that passes. You’ll pay an additional 10% of your Part B premium, for those who have waited a year after your 65th birthday to sign up. For example, if your premium for your own Part B coverage is $100 each month, you’ll pay a total of $110 a month, every month.
- The 1st of January is when the Part B Enrollment Period starts and it ends on March 31st. You should enroll during this time frame to make sure you’ve got coverage for that year.
- July 1st is when your Part B coverage will start, you won’t have any Part B coverage before the seven month window comes to a conclusion.
- Your coverage starts on your Part B effective month, and you’ll not need to pay for your coverage until this date.
- In case your birthday is on the very first of the month, your coverage will start on the very first of the month before your birthday, otherwise your coverage begins on your 65th birth month.
- You should subscribe to a Medicare Advantage Plan or Medicare Prescription Drug Plan within three months of your Part B effective date.
- There’s a possibility you will be refused coverage in the event that you do not register for a Medicare Supplement Plan within half a year of starting your Part B coverage. In this time frame however, you’ll receive coverage as a “Guaranteed Issue”
Losing Coverage or Are You Retiring?
- In case you miss the accessible 63 day period to register for Part B, you’ll need to manage the deadlines and fees listed above.
- Coverage supplied by COBRA isn’t adequate.
- Coverage given by your workplace, from a severance package of similar situation, is considered credible coverage and you won’t need to enroll for Part B. It’s a requirement that you just subscribe to Part B within 8 months from the date you cease working, regardless of your present coverage status.
- People are permitted to get double coverage and in these conditions Medicare is considered to be the “first payer” This could happen when someone already has Union insurance coverage or is covered by their VA benefits.
Moving to a New County or State :
You need to enroll for your own Medicare Part B plan within 63 days of formally moving. This time frame is recognized as a “Guaranteed Issue” interval this means that you can’t be refused coverage. After you’ve told the Social Security Administration about your move, the 63 days starts..
You need to review your Medicare Choices Yearly..
- You are able to get a complimentary and private Medicare Assessment by contacting Just Us Insurance at 760-822-3385.
Find out more concerning these plans and coverage choices :
- Medicare Prescriptions Drug Plan
- Medicare Advantage Coverage
- Medicare Supplement Insurance
Just Us Insurance Provides the Following:
* Humana
* Blue Shield
* SCAN
* United Health Care/AARP
* Health Net
* Aetna
* Anthem
* CareFirst
Get Your Free Medicare Consultation, Call Just Us Insurance in the event that you would like to find out more regarding the coverage choices that are available to you personally.
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
