For Medicare plan option info for people about to turn 65, call Just Us Insurance.
Are you turning 65 years old?
- There is a period of seven months offered to enroll for Part B. This is called your “Initial Enrollment Period” It’s possible for you to sign up three months before, and up to three months after your 65th birth month. If you decide to join after your 65th birthday, your plan won’t start until the following month. For instance : Should you turn 65 in January, and you wait until February to subscribe to Part B, your Part B effective date will be April 1st. You will not have Part B coverage until the 1st of April.. Your local Social Security Administration Office can assist you in registering for your Part B coverage..
- If you miss registering for Medicare Part B during your 7 month window, you’ll be penalized 10% for every 12-month period for which you don’t have Part B. When you enroll in Part B, you’ll owe 10% of the existing Part B premium. If your premium for your Part B coverage is $100 a month, you will pay a total of $110 a month, every month.
- The Part B enrollment period commences on the first of January and ends March 31st, in case you miss this Enrollment period, you would need to wait until the following 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 could go into effect is your 65th birth month, unless your birthday is on the 1st of the month, in which case, your effective date will be the 1st day of the month before your birth month.
- You have up to three months after your Part B effective date to register for a Medicare Prescription Drug Plan or Medicare Advantage Plan..
- There’s a possibility you can be refused coverage in the event that you do not sign up for a Medicare Supplement Plan within half a year of starting your Part B coverage. In this time frame however, you will receive coverage as a “Guaranteed Issue”
Losing Existing Coverage or Are You Retiring?
- You only have 63 days after you lose credible coverage by which to sign up for Part B. In case you miss this time frame, the above mentioned fees & deadlines apply..
- Coverage supplied by COBRA isn’t sufficient.
- You have to register for Part B coverage within the very first eight months which you quit working, even when your employer has provided insurance coverage from a severance plan or similar package.
- Individuals are allowed to have double coverage and in these circumstances Medicare is considered to be the “first payer” This may occur when an individual already has Union insurance coverage or is insured by their VA benefits.
Are You Relocating to A Different State or Moving From A Different County?
After you finally move in, you have 63 days to enroll in your Medicare Part B plan.. You cannot be refused coverage during this 63 day window as it’s considered to be a Guaranteed Issue period. These 63 days begin once you have talked about your move to the Social Security Administration.
You need to go over your Medicare Alternatives Each Year..
- Contact us now for a Private Medicare Assessment at no cost to you for our services! 760-822-3385
We can review your:
- Medicare Supplement Plan
- Medicare Advantage Plan
- Medicare Prescriptions Drug Plan
Just Us Insurance offers these Insurance Providers:
* Humana
* Blue Shield
* SCAN
* United Health Care/AARP
* Health Net
* Aetna,*Anthem
* CareFirst
Get Your Free Medicare Consultation, Call Just Us Insurance should you wish to learn 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
