Receiving medicare cards?

[Winter_123]

Could someone give me a reminder of what the process is for age-ins receiving medicare cards- whether and when they come automatically and whether it makes a difference if they have applied for social security or not. If they need to request or whatever. Can't remember the timing and rules there.

Thank you.

Winter

 

[Cenla Agent]

I think they come automatically if they have applied for Social Security. To request a card, they need to call S.S., not Medicare. Typically they will get their card a couple of months or so prior to their birthday. If they don't have their card yet but have applied, you can call S.S. to confirm their information if it is needed for an app.

 

[senior-advisor-indiana]

Most people get them 3 months prior to age 65. I am 76.663001% sure that they come automatically.

 

[Cenla Agent]

I have had a couple of cases where there was a delay in getting a card due to IIRC maybe a delay in applying, but I can't remember exactly whether they had applied late for S.S. or Medicare or if it was some other reason.

When the card comes it will have Part B on there as well. If they don't want Part B, they have to sign a form stating they don't want it and return it. This of course is only advisable for those still working who are covered by group.

 

[Frank Stastny]

Most people get them 3 months prior to age 65. I am 76.663001% sure that they come automatically.

WRONG!

Sorry, couldn't resist that.

They will come automatically only if the recipient is going to be receiving SS checks. If they will not be collecting SS then they have to go to the SS office and apply for Medicare.

 

[senior-advisor-indiana]

WRONG!

Sorry, couldn't resist that.

They will come automatically only if the recipient is going to be receiving SS checks. If they will not be collecting SS then they have to go to the SS office and apply for Medicare.

I said most people. Why wouldn't someone be getting SS at 65? Because they are working? Why would they need A&B then?

 

[Winter_123]

WRONG!

Sorry, couldn't resist that.

They will come automatically only if the recipient is going to be receiving SS checks. If they will not be collecting SS then they have to go to the SS office and apply for Medicare.

So lock this down for me a bit. If a person is turning 65 and has applied for SS then they can just let the process work and their card will show up sometime before they are 65 so that they can enroll withing the ICEP. Is that right? This presumes that a person has applied for SS a couple months or more before they turn 65. Is that how it works or no? A person applies for or can apply for SS months before turning 65?

And then if a person has not applied for SS and has not contacted Medicare, then nothing happens until they directly contact SS (not medicare) to request a card. Is that correcto or no?

Thanks again.

Winter

 

[Cenla Agent]

I said most people. Why wouldn't someone be getting SS at 65? Because they are working? Why would they need A&B then?

Whether they are working or not they are going to get at least A whether they like it or not at 65 and have to decline B if they are still working and don't want it yet, and then pick up B and D once they retire. The only exception I can think of is the unlikely event that the member and their spouse did not pay into the system for enough quarters.

 

[Frank Stastny]

So lock this down for me a bit. If a person is turning 65 and has applied for SS then they can just let the process work and their card will show up sometime before they are 65 so that they can enroll withing the ICEP. Is that right? Yes that is correct. This presumes that a person has applied for SS a couple months or more before they turn 65. Is that how it works or no? Yes A person applies for or can apply for SS months before turning 65? Yes, actually they can apply for SS at age 62.

And then if a person has not applied for SS and has not contacted Medicare, then nothing happens until they directly contact SS (not medicare) to request a card. Is that correcto or no?

Thanks again.

Winter

See above.

The person must contact SS to apply for their Medicare Card with both Part A and Part B. Everyone automatically gets Part A when they turn 65.

 

[Frank Stastny]

I said most people. Why wouldn't someone be getting SS at 65? Because they are working? Why would they need A&B then?

Not all people who are still working at age 65 are covered by group health insurance. You do not have company group insurance now unless you have it through your wife's employment. If you are still selling insurance at age 65 you probably still won't have group insurance offered to you.

Some people do not take SS at age 65 who are not working simply to let their monthly SS payment increase. There is more money per month if the person waits until age 70 for example to begin drawing SS.

Some people who are still working at age 65 drop their group company insurance and take a Med Supp because not only is the cost less but the benefits are greater. I have quite a few people still working who have canceled their group insurance and now have Med Supps.