If you have just turned 65, are new to Medicare, or do not understand the coverage choices offered to you, contact Just Us Insurance for your free consultation..
Medicare Plan Options for individuals turning 65
- You’ve got a timeframe of 7 months open to register for Part B. This is referred to as your “Initial Enrollment Period” You can register 3 months prior to, and up to 3 months after your 65th birth month. Don’t delay, if you register after your 65th birthday, your coverage date is penalized by one month. Example : If you turn 65 in January, and you also wait until February to register for Part B, your Part B effective date will be April 1st. You’ll not have Part B insurance until April 1st.. Your local Social Security Administration Office can help you in registering for your Part B Plan..
- You may be penalized 10% for every year that passes if you miss registering for your Part B Plan during the Initial Enrollment Period. After you have registered for Part B, you will pay an additional 10% of the current premium for Part B insurance.. For instance if the part B premium is $100/mo, you’ll pay $110/mo. You’ll pay this penalty for the rest of your life.
- In case you miss signing up for Medicare Part B, you’ll only have the ability to register for the plan during the Part B Enrollment period, which is January 1st to March 31st of each year.
- If the Enrollment date is met, your coverage will start on July 1st. Know however, that you are not covered by Part B until the first of July.
- You won’t begin paying for Part B until your Part B effective month.
- The earliest month this could 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 before your birth month.
- You have up to three months following your Part B effective date to sign up for a Medicare Prescription Drug Plan or Medicare Advantage Plan..
- Within half a year of your Part B coverage effective date, you must register for a Medicare Supplement Plan, otherwise your application will go through medical underwriting and your medical coverage Won’t be regarded as a “Guaranteed Issue”
In the event You Are Retiring or are Going to Lose Existing Coverage:
- In case you miss the available 63 day period to sign up for Part B, you will have to handle the deadlines and fees listed above.
- Unfortunately COBRA coverage isn’t regarded as credible.
- Coverage given by your employer, from a severance package of similar circumstances, is considered credible coverage and you won’t have to register for Part B. It’s a requirement that you just register for Part B within 8 months from the date you stop working, regardless of your present coverage status.
- People are permitted to have dual coverage and in these conditions Medicare would be be the “first payer” This may occur when an individual already has Union insurance coverage or is insured by their VA benefits.
Moving From Another State or County?:
After you finally move in, you have 63 days to sign up for your Medicare Part B coverage.. This time frame is known as a “Guaranteed Issue” interval and you can’t be refused coverage. The clock begins “ticking” once you alert the Social Security Administration about your move.
Are your Medicare Choices Being Reviewed Each Year?
- You can receive a totally free and private Medicare Assessment by contacting Just Us Insurance at 760-822-3385.
We offer services and consultations for:
- Medicare Prescriptions Drug Plan
- Medicare Advantage Coverage
- Medicare Supplement Insurance
Just Us Insurance Offers the Following:
* AARP/United Health Care
* Anthem
* SCAN
* Blue Shield
* CareFirst
* Humana
* Aetna
* Health Net
Contact Just Us Insurance to get your free and confidential 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
