When to Enroll In Medicare | Tips to Avoid Penalties

[@4stormy4]

Your videos are so helpful! I've learned more watching you for the last half hour than I did doing my AHIP module for over 3 hours. It made more sense hearing you explain everything. Thank you!!

[@AbtInsuranceAgency]

Wow, what a compliment! Thank you! ☺️

[@mrlee196845]

@@AbtInsuranceAgency medic gap

[@surgio154]

I hate my advantage plan but have been on them for a few years , I think I would like to be on just plain medicare again , I will call you for more info and help , thank you

[@VegasNegus]

This video was very helpful Stephanie. Especially the rule about the HSA contributions. Many thx!

[@davidmiddleton5324]

Great job Stephanie with all your videos! Been in the business for 17 yrs. now, and am starting to watch your videos to help brush up on things, AND add new knowledge! I only wish I had partnered with you in this GRAND ENDEAVOR of YT videos that you started undertaking a few years ago!!! LOL! God's very best to you!

[@AbtInsuranceAgency]

Thank you David!

[@billpasaki4769]

I just turned 65. Socialized medicine is great. Why not give this benefit to everyone in America?

[@starrcross9899]

I'm now 70. I have lived in South America since 2007. My daughter and I confirmed with Medicare before I turned 65 that I was not in US to use Medicare. Now I'm considering moving back and signing up for part B

[@Retiredmco]

Stephanie appreciate all your time and effort to help those who are in need of vital information! Thanks Frank from Georgia

[@AbtInsuranceAgency]

Thanks Frank! 😀

[@ladybelle2405]

Hey Stephanie, I’m binge watching your videos because I will be selling med supp & MA plans soon & I’ve learned so much from you! You make all this easy to understand ! Thank you so much for posting!!!

[@timisaac8121]

No matter how many of your vids I watch, I learn more!! TY for the hard work to educate USA on this really important subject!! It isn't like our Congressmen does it for us!! It is you Stephanie!! If I have to be 65, I'm grateful for your help in doing it right!! hahaha.

[@ruthrose2555]

Excellent advice and felt great relief hearing this!! Thank You!

[@mommasteph]

Thank YOU! Your helpful video's make it easy to understanding Medicare ....

[@phyllisnunn2061]

Wow. This is EXACTLY the channel I was hoping to find! Thank you for the straightforward explanations - and repetitions - of this thoroughly confusing process, lol!

[@AbtInsuranceAgency]

I’m so glad you found us!

[@HeleneSecret]

Thank you for taking the time to share this information I really appreciate it and I'm sure everyone that has listened appreciates it too 💜

[@AbtInsuranceAgency]

You are so welcome!

[@shahidakamal3951]

Thanks for your time

[@patrinawilliams7998]

Thank you Stephanie for the videos. They’re very helpful.

[@AbtInsuranceAgency]

You’re welcome!

[@MargueriteAtHome]

I just added a reminder to my iCalendar to enroll in the not-too-distant future. Thank you! 😊

[@AbtInsuranceAgency]

Great!

[@cameriqueTV]

Also you must discontinue HSA contributions 6 MONTHS prior to your change over.

[@THF409]

I’m a federal government retiree and still have health insurance through retirement benefits. Medicare B pays first and my Federal Blue Cross Blue Shield picks up the rest. Federal Blue Cross blue shield also pays $800 annually for my Medicare B premiums.

[@Muthukumar-je3zz]

Thank you so much for the video.. Your all videos are easily understandable and much useful for learn more things.. thanks a lot. From India

[@mitchellbelinda50]

I’m so glad I came across your videos! I’ll watch a few more times now and then because I have a year before I’m in the Medicare group. So many friends and associates just can’t explain the Medicare program and it’s so sad. I’m on my way to becoming an expert from getting a clear understanding from your videos! I keep thinking I should do something from home to supplement my income…. I may have to look into getting into this service, clarity , understanding, on the Rep’s part, as well as being able to explain to the potential customer is key! Again thank you for sharing your videos 😇

[@taloweryus]

Thank you so much for your videos. They make this confusing process so much clearer.

[@oskarfekson4087]

Thank you so much for the information

[@chauton9252]

Thanks for informations

[@randystrom2163]

I am 65. Working full time and have insurance through my employer. I did enroll in Medicare part A just prior to my 65th birthday last November; I am not enrolled in part B. I have been and am presently contributing to an HSA. Are you saying I cannot contribute to HSA because I am enrolled in part A? If this is true…. Do I just inform my employer to stop the HSA contributions? Can they do that in the middle of the year?

[@AbtInsuranceAgency]

I would tell your employer to stop HSA contributions asap if you already have Part A.

[@hainguyen7971]

Both of your employer and you need to stop contributing HSA at least 6 moths windows pried applying your Medicare part A and B.

[@msconi6650]

Stephanie, your YTs are saving me. Thank you! Questions. I was on an MAPD plan, then went back to work FT and chose my employer's creditable coverage. I'm told I need to send proof of this coverage AND fill out and submit a form to stop Part B. Is this true, and if so, where do I find that form? I've searched.

[@TheMinnow101]

Typical govt snake pit of rules: A+B=G but not if B+A=t. Your videos are very informative! Thanks !!!!

[@rodneysands4938]

Great information

[@TheDealHunter]

Thanks for these great videos. I will turn 65 on January 11th. I am not collecting SS. I had intended on working well past my 65th birthday so I didn't plan on enrolling in Medicare since I would have creditable coverage. However, my employment might abruptly end in late December. If that happens, I would want Medicare to start January 1st. How late in December can I apply and still have coverage start on January 1st?

[@AbtInsuranceAgency]

You can apply anytime in Dec for a Jan 1st effective date.

[@timisaac8121]

Delay of Part B- must meet very specific requirements: over 20 employer coverage or Spouse coverage. These are only authorized Part B delay- a person living in Ecuador or aboard still has to enroll in Part B or face penalty upon return to USA 12 years later?

[@ty53will54]

I am 70 and still working full time for a company that employs more than 20 people. I have my medical insurance through my employer which is creditable coverage. I plan on working full time for another year and will thenbe part time. My question is whether I can use the special enrollment period to enroll in Medicare part "B" without a penalty. Additionally,would I be able to enroll in a Medicare supplement plan ?

[@AbtInsuranceAgency]

Yes, and yes!

[@ty53will54]

Thank you for your reply,can I enroll through your agency when I'm ready to enroll ?@@AbtInsuranceAgency

[@kirkdabrowski29]

Thank you so very much! You are helping me approach retirement age with confidence!

[@AbtInsuranceAgency]

Yay! Call us anytime with questions! [phone]

[@robertgraham5619]

I've not had insurance for many years and am completely willing to manage the potential financial consequences of that. Now, soon to be 65, I'm finding out I "have to" buy insurance whereas before I assumed medicare was free from all the years I paid into it. But, the truth of it is, I'm being force to but socialized medical insurance though at a relatively discounted price. Still, I find this disgusting. I have not planned for this. Please, let's get back to minimal government intervention and let real free people (not govt. employees who now have a financial stake in keeping the government BIG and/or bigger and bigger) who have real personal stakes to do things well, operate insurance if they want.

[@jasa9037]

Do you work with Blue Cross Blue Shield regarding advantage and supplement plans?

[@AbtInsuranceAgency]

Yes, to both!

[@jasa9037]

I’m in Massachusetts do I need to find somebody local?

[@chanhnguyen1788]

Thanks you for all the informations that you explained about medicare,can I ask you to help me and my wife sign up for Medicare Supplement Thanks

[@AbtInsuranceAgency]

Yes, please call us at 888-465-9728!

[@garybala000]

Rule change. In 2023, if I enroll in the latter 3 months IEP window after my birth month, my Part B would start first of the month after the month I sign up. Correct?

[@AbtInsuranceAgency]

Correct! I cover that here -- kzbin.info/www/bejne/a4Gpf6GfhNWarZo

[@alsaves4435]

Does the USA medicare system take care of its citizens with medicine and hospital care who live outside of the USA. I would hope so because we expats are still required to pay taxes even if we live outside of the USA.

[@AbtInsuranceAgency]

Medicare has limited coverage outside of the US and it’s territories but most Medigap plans include foreign travel benefits.

[@alsaves4435]

@@AbtInsuranceAgency I am a resident and expat living in Madagascar and since I have no plans to return to the USA , I gather your advice is for me to not pay into any Medicare plans. Even Medicare A is of no help either from what you say. I remember that insurance commercial where they say you are in goods hands but this limited coverage you speak of sounds like all I am going to get is a finger.

[@tomdonnelly4551]

How far in advance of enrollment should we contact a service such as your’s, in order to get advice on selecting the best options?

[@AbtInsuranceAgency]

Usually about 6 months prior to turning 65 is a great time to start!

[@KipKids]

I am turning 65 in June of 2025. I started collecting my SS at 63. I have my own business. I basically continue to work making less than 22k. My insurance I have now is Medicaid. My question is how will Medicare work with my Medicaid in New York? Kip

[@No1desigrl]

Thank you for the video. I do have a question. My dad is 68 and working full time and has health insurance through his employer. He never enrolled for Medicare Part A. 1. When can he enroll for Medicare Part A? 2. Will he be penalized for not enrolling in Part A?

[@AbtInsuranceAgency]

He can enroll any time that he is actively employed, and up to 8 months after his active employment ends. He will not face any penalty as long as he enrolls in that window. I hope this helps!

[@No1desigrl]

@@AbtInsuranceAgency Thank you that definitely helps.

[@markbayles3823]

I turn 65 April 2023. I will be overseas in China for 2 years. I won’t be working, but my spouse will, and we will have a Chinese health insurance plan. I doubt it is considered creditable. I’m okay with signing up online for Medicare A&B in April. Question - Since I won’t have a real home address (just a virtual mailbox), will there be any issues? I can have the Medicare card forwarded to my daughters home… so that shouldn’t be a problem.

[@jampadeng]

Hello, I have a question about enrollment medicare part B. My eligibility date will be April 2022 and I will enroll part A on February as you suggested. Since my wife will keep on working and carry health insurance through her employer which I will be covered by that. She will be retired in 3 more years. Can I wait until right before she retire to enroll my part B, D, and medicare supplemental part G then? Thanks

[@teresacesario6247]

Beautiful color on you!

[@AbtInsuranceAgency]

Why thank you!

[@MB-cx2ks]

Please explain this: I assume you are not a non-profit organization and your income source is commission based. Why wouldn’t the commission rates paid by the various plans influence your recommendations to customers and is your commission information disclosed?

[@AbtInsuranceAgency]

I discuss this here: kzbin.info/www/bejne/enPahpWVhsuUeJI Yes, we do get commissions from the insurance companies we broker for. The commissions are generally the same from company to company by Plan type. Some brokers sell based on the potential commission they will receive. Some always do what is best for the client, and therefore receive referrals and positive word of mouth. The later is the way we choose to do business .

[@millielopez10]

If you have the market place insurance and then change to spouses company med insurance ?

[@joelpeterson9227]

I’m 65 and am planning on retiring at age 67. Can I go on Medicare and Part B now even though I won’t be drawing social security until I retire? If so, what forms I’ll I need to have my employer fill out or any other forms that are required.

[@briseydamartinez1471]

Hi Stephanie. What options does an individual who is 60 years old have, if he is separating from his wife and losing health insurance through her workplace? He is currently signed up for Medicare Part A but is now thinking about signing up for Part B and D, due to losing his creditable coverage soon. Thank you.

[@jewelst8894]

Can you have a HSA plan with your employer but not contribute?

[@hainguyen7971]

Absolutely you can and you still have creditable coverage if your company has large 20 employees without penalty if you wanted to work pass 65 not enroll into Medicare part A and delay along Medicare part B until you retire !

[@millielopez10]

what if you have coverage thru your spouse work.

[@amiehill8104]

You are so good and helpful. I’m getting so nervous cause I turned 65 in February and I’m afraid I’m almost out of my IEP. I am currently on my husbands good insurance with a large company cause he has it also cause he is only 63. I get my few prescriptions with the insurance. I am still working full time and not getting SS. I did enroll with Part A. Am I going to be ok if I wait till my husband gets Medicare at 65 in 2 years? Can I delay my plan D and B and G without underwriting and penalties if I enroll within 8 months after we loose his insurance with documentation? Do I need to let someone know I want to delay my benefits? Thanks.

[@dougroberts1909]

Hi Stephanie, I like your videos. My wife and I are retired. I will be signing up for Medicare next August 2022, but my wife is 11 months younger. So will I have to get other insurance for her until she is eligible? Do you help people find other insurance prior to Medicare?

[@AbtInsuranceAgency]

Your wife will become eligible for Medicare at age 65. We do help with interim coverage for our Medicare client’s spouses. Call us at 888-465-9728!

[@mitchellbelinda50]

HSA would that be health insurance at a company if you decide to work after enrolling in Medicare and collecting SSA? So best to tell employer you select not to be enrolled in the health program?

[@AbtInsuranceAgency]

HSA is a health savings account. Not all employer plans are HSA plans

[@janethagen3385]

So if my bday is 3/17, I must be enrolled by the latest 11/17 in order to have full coverage of part A & B, right?

[@rockstarr8331]

I went on SS Disability at age 49 in 1997. My wife passed 45 days later. A friend told me I could receive my SS Disability, and a portion of what she would have received had she lived. I called SS and was told I couldn't collect any extra monthly amount on my wife's SS benefit until I turned 65. So when I turned 65 in 2013 I called SS and then began receiving my SS, plus half of what my wife would have received had she lived and worked to age 65. DOES THAT MAKE SENSE, or was I misinformed from the beginning? Thanks so much...

[@jampadeng]

Also, if I wait until right before my wife's retirement date, will the medicare supplemental make me go through the medical underwrite process? Or will I be treated as the new medicare part B holder? Thanks,

[@bayareagrl4ever526]

What if you are auto enrolled in Medicare and then go back to work and are covered by your employers insurance? Can you cancel the Medicare?

[@AbtInsuranceAgency]

Yes you can contact Social Security to cancel Part B.

[@dannysemore8410]

Does the 20 emploee rule still applyIf im in a union and my employer doesnt employ that many but my union does

[@MsAli1995]

Do you work with people in Florida?

[@AbtInsuranceAgency]

Yes, we do! Call us at 888-465-9728

[@MsAli1995]

Will do. Thank you. I have watched your very helpful videos and will be turning 65 in November.

[@AbtInsuranceAgency]

@@MsAli1995 we look forward to speaking with you!

[@aromero385]

Hi. Stephanie. My dilemma; right now; I am living in another country; So my understanding is Medicare does not cover me outside the US. In this foreing country, I have a govment sponsored Health Insurance. May I dissenroll from my Part - B, in the meantime?, lets say for the next 5 years, and in case I go back to The States, after those 5 years, still I am facing Medicare Part-b penalty for droping it?. Thank you for any advise you could give me.

[@millielopez10]

and if spouses job is more than 20 employees

[@william1912]

Hi Stephanie, love your videos; so easy to understand. I’ve been receiving Social security for a couple years so turning 65 in a couple months, I’ve already received my social security card and have been enrolled in part b, which I didn’t want to be. I know I can sent the ss card back and decline the part b. I’m not concerned about coverage being delayed for a few months. I want to apply for part b in the last month of my iep to save on premiums. Is there a possibility that I could incur a penalty ? thanks in advance.

[@AbtInsuranceAgency]

No penalties as long as you enroll during your IEP

[@Oriongalaxie1]

What If I use the VA, do i still need to sign up for A or B?

[@AbtInsuranceAgency]

Great question! You are not required to, but if you delay your Medicare enrollment and then want to enroll later on you could face Part B penalties.

[@achaldhir2538]

Hi Stephanie, I watched all your videos. I am 66, I plan to move abroad forever. I don't want to apply any of Medicare but still want to avail all my social security payments. Is this possible ?.

[@AbtInsuranceAgency]

Applying for SS benefits will automatically trigger your Medicare Part A enrollment, but you can choose to opt out of Part B if you never want to receive Part B benefits.

[@achaldhir2538]

Great and Prompt reply, I was looking for. Thanks@@AbtInsuranceAgency

[@gpm1one]

I turn 65 in October, am currently working with healthcare coverage, and plan to retire on 2/1/22. If I enroll in November, coverage starts in January. If I enroll in December, coverage starts in March. When should I enroll to have coverage beginning in February?

[@AbtInsuranceAgency]

Unfortunately when your IEP (initial enrollment period) overlaps with an SEP(like losing employer coverage) the IEP wins. You will likely need to enroll for coverage to begin in January and have overlapping coverage for one month. You can choose to have your Medigap and Part D plans start Feb 1st.

[@Milan_world]

My husband turn 65 in March 2023 when shall he enroll in Medicare he is on social security in have marketplace insurance.

[@judgebullingham]

Stephanie, if i am already receiving social security benefits but my wife is actively employed (with employer greater than 20 employees) and i am covered with her health insurance, does the government still automatically enroll me in part B or do i have to alert them to this issue to delay the premiums of part B? What is the protocol here? Thank you.

[@AbtInsuranceAgency]

Yes, the government will automatically enroll you in Part B. When they send you your Medicare card, there will be a form enclosed that you can mail back to them if you are wanting to decline Part B, which you can do in your situation. I hope this helps!

[@lylegwynn6603]

Do I have to enroll at 65 for part A only as I will keep working with insurance past 65? To keep from penalties

[@AbtInsuranceAgency]

No, you can delay Parts A and B without penalty if you are actively working with employer health insurance.

[@lylegwynn6603]

@@AbtInsuranceAgency thank you for your response, a lot of folks tell me, I will be penalized if I don’t, I think it’s crazy if I have to wait until 66.and 6 months to retire, that I have to go to Medicare at 65 and pay the high premiums, right now I’m paying 162.00 per month, for a lot of different coverage, Thank you so much for the valuable advice 😁👍

[@enriquemolina9799]

@@AbtInsuranceAgency So for Parts A&B it is s also the case if I am covered through my spouses employer insurance that I can delay enrollment?

[@AbtInsuranceAgency]

@@enriquemolina9799 if your spouse is actively employed then yes!

[@mattmathew3115]

Hello. At the present time I am Walmart associate and have DHMO(High deductible Health Maintenance Organization)coverage. I turn 65 on 05/14/2024, so I will be eligible for Medicare. I want to know that this coverage is a good alternative for Medicare? Please let me know. Thank you. Reply

[@AbtInsuranceAgency]

It depends. What do you pay in monthly premium for this plan? What is your plan’s deductible?

[@terrymartin1424]

Are you licensed In Massachusetts Stephanie?

[@AbtInsuranceAgency]

That is one of the only states we don’t work in currently.

[@terrymartin1424]

@@AbtInsuranceAgency Of course, that would be my luck! Do you have any references for well informed agents doing business in Mass?

[@AbtInsuranceAgency]

@@terrymartin1424 I do! Please email us at [e-mail]

[@michaelrusso1916]

I am a Military retiree, and have military Tricare coverage. My wife is turning 65 and she is not eligible for Medicare because she is not a US citizen and never earned enough work credits. I am not old enough for benefits and still work but only use our military health benefits as our primary coverage. My wife will only become eligible for Medicare benefits when I become eligible for benefits at 62 because then she can claim them through my work record. Will we have to pay the Medicare fine from the time she turns 65 till the time I become eligible for Medicare?

[@AbtInsuranceAgency]

No, since she was not eligible for Medicare until that time she should not be penalized.

[@dkmkjam]

what if my husbands work has 16 employees But if i can stay on his insurance will i be penalized ? Should i cancel Medicare part B Donna

[@AbtInsuranceAgency]

If you are covered on his employer plan and his employer has less than 20 employees than you should enroll in Parts A and B in order to avoid claims issues. How much does he pay to cover you on his plan? You may be better off dropping his plan and choosing a different supplement plan since Medicare will be your primary insurance will an employer of that size.

[@divendranath1023]

I have my insurance with my wife,she pays for my insurance at her work place.On November 9th 2022 i will have my 66th birthday.After my retirement i wish to return to my country of birth and live there.Should i have Insurance in the USA,what you call part A and B?.

[@kishormistry2581]

What is the best time to call you to talk?

[@AbtInsuranceAgency]

M-F 9-5 CST. 888-465-9728 🙂

[@BARATHM-mi9zp]

What is DCE in medicare?

[@AbtInsuranceAgency]

The Direct Contracting model in Medicare is a bit complicated to explain in the comments section here but I’d be happy to explain more, feel free to contact us at 888-465-9728.

[@barkeyvonschnauzer57]

when you try to get Your money out of the govt. there are Lots of rules!!! Who gets the interest on my money!

[@Kolian1274]

I call your office leave a message but never get any of his phone

[@timisaac8121]

Stephanie: Can you make a video with the title: In most cases, you HAVE to sign up for Medicare Part B- its not free! Focus on the blunt majority of cases!!! Since most people sign up for retirement at 62, for most people part B is automatic!!! Only about 15% (maybe?) wait. Of those an incredibly SMALL number of person meet the exception: 20 or more groups and spouse. I do not see any other vid with this clear message: You must!!!!!!! hehehe

[@timisaac8121]

"you must" sign up for part B, I mean!

[@pattywaszmer4178]

I can't get approved until july 2022 Husband out of work awaiting a surgery im on ssd and always used private insurance We don't qualify for Medicaid and i can't get Pennie help because of Medicare A any help ?? we can't afford out cobra any longer

[@bobsum1745]

65 years? I was sure I'll be able to go on retirement at age 67.

[@lauriehudson9493]

Social medicine would be A lot easier.

[@RW-bt6ex]

Does SS automatically enroll you in part A , B ?

[@Kolian1274]

Any respond