Call Just Us Insurance for more information concerning the insurance choices open to people turning 65..
Is your 65th birthday coming up?
- The “Initial Enrollment Period” (IEP) is the 7 month window you have to sign up for your Medicare Part B coverage.. The time period to enroll for Part B is three months before or after your 65th birth month. Your plan’s effective date will be pushed back by one month should you choose to enroll after your 65th birthday. An illustration 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. You have to enroll for the Part B plan in person at the Social Security Administration Office.
- Should you miss enrolling for the Medicare Part B Plan during the Initial Enrollment Period, you’ll be penalized 10% for every year that passes. Once you have enrolled for Part B, you’ll pay an additional 10% of the existing premium for Part B coverage.. For example, if your premium for the Part B coverage is $100 each month, you will have to pay a total of $110 a month, every month.
- The Part B enrollment period starts on the first of January and ends March 31st, should you miss this Enrollment period, you would need to wait until the next year.
- If the Enrollment date is fulfilled, your coverage begins on July 1st. Know however, that you’re not covered by Part B until the first of July.
- You do not start paying for your Part B coverage until the first month it goes into effect.
- In case your birthday is on the first of the month, your coverage will start on the very first of the month before your birthday, otherwise your coverage will start on your 65th birth month.
- You should join a Medicare Advantage Plan or Medicare Prescription Drug Plan within three months of your Part B effective date.
- Within half a year of your Part B coverage effective date, you should enroll to get a Medicare Supplement Plan, otherwise your program will go through medical underwriting and your medical coverage will never be regarded as a “Guaranteed Issue”
Losing Coverage or Are You Retiring?
- Should you miss the accessible 63 day period to register for Part B, you may need to handle the deadlines and fees listed above.
- Coverage given by COBRA isn’t adequate.
- You have to enroll for Part B coverage inside the initial eight months which you quit working, even though your workplace has provided insurance coverage from a severance plan or similar bundle.
- Union coverage or coverage given by your VA benefits can give you double medical coverage. In such conditions, Medicare is regarded as the “first payer”
Moving to a New County or State :
After you formally move in, you have 63 days to sign up for your Medicare Part B plan.. You can’t be refused coverage during this 63 day window as it’s regarded as a Guaranteed Issue span. These 63 days start once you have talked about your move to the Social Security Administration.
Medicare Alternatives and Coverage Options Ought To Be Reviewed Annually.
- You are able to get a totally free and private Medicare Assessment by contacting Just Us Insurance at 760-822-3385.
Find out more regarding these plans and coverage alternatives :
- Medicare Prescriptions Drug Plan
- Medicare Advantage Coverage
- Medicare Supplement Insurance
Just Us Insurance offers these Insurance Providers:
* AARP/United Health Care
* Anthem
* SCAN
* Blue Shield
* CareFirst
* Humana
* Aetna
* Health Net
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 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
