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MediCare Enrolment
Enrolling in Medicare is a great way to guarantee yourself access to the best healthcare options available. With Medicare, you’ll be able to make informed decisions about your health and wellbeing that are tailored specifically for you. The process of enrolling is easy – simply gather all the required documents, complete the online application form, and submit it with a few clicks – that’s all there is to it! With Medicare, you’ll have peace of mind knowing your healthcare needs are taken care of.
For individuals 65 and over, the Medicare Initial Enrollment Period
If you are 65 years old and do not have health insurance through your spouse’s or active employment, you can enroll in Medicare. The initial enrollment period typically lasts seven months, beginning four months before your 65th birthday and ending three months later. If you choose not to have coverage, keep in mind that a penalty will be added to your future premiums if you later decide to enroll in Medicare. One exception is if you have a qualifying event, such as retirement, that allows you to enroll in Medicare.
Most people become eligible for Medicare when they reach age 65, but there are situations when they may be eligible earlier. You may be eligible for Medicare benefits sooner if you are permanently incapacitated. In this case, rather than depending on your birthday, the government would consider the month you receive your 25th disability payment as the marker for registration. Similarly to the Initial Enrollment Period, you would be able to enroll four months before and three months after your 25th disability payment. If you choose to forego the benefits, you will be eligible for Medicare again whenever you reach the age of 65 and qualify for the Initial Enrollment Period.
Individuals under the age of 65 can enroll in Medicare!
Medicare Special Enrollment Period
If you elect to forego Medicare benefits during your initial enrollment period because you are still working or receiving benefits through a spouse, you will have the option to enroll later. A Special Enrollment Period in Medicare lets you sign up for benefits up to eight months after you leave a job without having to pay late fees. It is crucial to know that if you work for a small business, they may require you to sign up for Medicare when you reach the age of 65.
Whether you can enroll or not, it is important to realize that there may be fines for signing up after the fact. Without the assistance of a special enrollment period, you will have to wait until the ordinary enrollment period on January 1st to apply for benefits. Once you receive your benefits, you will be required to pay late fees of 10% for each year that has elapsed since your initial enrollment period and when you sign up.
What Happens If You Don't Meet the Enrollment Deadline?
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