Free Medicare insurance consultations from Just Us Insurance for people new to Medicare or who are about to turn 65..
Turning 65? Learn more about your Medicare choices.
- The “Initial Enrollment Period” (IEP) is the 7 month time frame available to you to register for your Medicare Part B plan.. You can enroll 3 months prior to, and up to three months after your 65th birth month. Should you elect to sign up after your 65th birthday, your coverage will not begin until the subsequent month. An example being : 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’ll not have Part B insurance until the 1st of April.. Individuals must visit the Social Security Administration Office in person to sign up for the Part B Plan.
- If you miss registering for Medicare Part B during your 7 month window, you will be penalized 10% for every 12-month span for which you don’t have Part B. Once you have enrolled for Part B, you’ll pay an additional 10% of the current premium for Part B insurance.. You are going to continue to pay this extra 10% for the rest of your life. For example, if your Part B premium is $100 a month, you’ll pay $110 each month.
- The Part B enrollment period commences on the first of January and ends March 31st, if you miss this Enrollment period, you may have to wait until the next year.
- For those who have registered for Part B coverage inside the right time frame, your coverage will start on July 1st.
- You don’t start paying for your Part B coverage until the first month it goes into effect.
- If your birthday is on the first of the month, your coverage begins on the very first of the month prior to your birthday, otherwise your coverage will begin on your 65th birth month.
- You will have up to 3 months after your Part B effective date to join a Medicare Prescription Drug Plan or Medicare Advantage Plan..
- Within half a year of your Part B coverage effective date, you should enroll to get a Medicare Supplement Plan, otherwise your application will go through medical underwriting and your medical coverage will never be regarded as a “Guaranteed Issue”
Losing Current Coverage or Are You Retiring?
- You only have 63 days when you lose credible coverage by which to register for Part B. In case you miss this time frame, the above penalties & deadlines apply..
- Regrettably COBRA coverage is not regarded as credible.
- Coverage supplied by your workplace, from a severance package of similar situation, is considered credible coverage and you won’t need to register for Part B. This is a requirement that you just register for Part B within 8 months from the date you cease working, no matter your current coverage status.
- People are allowed to have dual coverage and in these circumstances Medicare is considered to be the “first payer” This could happen when a person already has Union insurance coverage or is insured by their VA benefits.
Relocating From Another County or State?
You simply have 63 days after you “officially” move in order to switch your plan, or enrol into Medicare part B. This time frame is recognized as a “Guaranteed Issue” span so you cannot be refused coverage. These 63 days start once you have talked about your move to the Social Security Administration.
You should go over your Medicare Options Yearly..
- Call Just Us Insurance now at 760-822-3385 to get your private Medicare Assessment, cost-free..
We offer services and consultations for:
- 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
Call Just Us Insurance to get your free and private Medicare Plan Consultation.
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
