When to Sign Up for Medicare - Medicare Enrollment Periods Explained

[@tanyahouston5635]

I’m starting to take notes as I get closer to these important dates to know to avoid headaches. Thanks!

[@MedicareonVideo]

You're welcome! You definitely want to be prepared as early as possible.

[@tonimusgrave9530]

Exactly what I’m doing too. I turn 65 in October

[@WhittyPics]

I got mine lined up through Keith last week

[@MedicareonVideo]

Glad we got you all set up!

[@quilino59]

Thanks now I gain a lot of knowledge about medicare.

[@afrocraft1]

At 3:54 the Initial Enrollment Period you verbally describe is not what you show on the screen. Isn't this one reason why people get confused?

[@chriswedgworth]

Thank you so much for helping people out with this!!

[@MedicareonVideo]

Happy to help!

[@MossCottageMarket]

I'm not quite 62 yet but I know I need to plan early for all these retirement benefits. I've downloaded your book and will read it slowly and thoroughly. Thank you for explaining Medicare in terms the average person can understand. It all just seems way too complicated so I'm so glad I found your channel!

[@MedicareonVideo]

You're welcome! Trying to make an unnecessarily topic less complicated!

[@ginaballard9070]

Thank you for this information. My health insurance ends 8/31 but my pay will continue through July. When should I start SS/Medicare/Supplement? Three months prior?

[@MedicareonVideo]

Yes - I would put things in place in June. You can give us a call or fill in info on my website if you'd like me to help. 877-885-3484 www.medicareonvideo.com

[@bigearlrrr]

I am getting ready to enroll soon ,when I do it will be for part A and I was wanting to know if there was a good other part for dental, the restof my coverage comes from the military va but not eligable for dental. My dentist has told me there is really no medicare part worth a darn that covers hardly anything , and they recommend keeping your money and just paying cash for anything that may pop up with dental. Your thoughts.

[@MiracleFound]

If I am covered under my husband's insurance from work, is that credible insurance and when do I need to sign up? I should be on his insurance for at least 7 more years.

[@scottford6055]

I think I missed the enrollment period. I turn 65 at the end of June. I enrolled May 3. Do I have to re-enroll in January and pay the penalty for those 8 months?

[@MedicareonVideo]

Hi Scott- You turn 65 at the end of June, this year? If so, you actually have until the end of September to apply for Medicare during your Initial Enrollment Period.

[@EricGunn-h2s]

If my group health care plan ended June 1st, can I sign up for medicare plan B in January without a penalty?

[@MedicareonVideo]

You have 8 months from the final day of your group insurance coverage to enroll in Medicare Part B without a penalty. Part D, however, only gives you 63 days.

[@beverlyinman4460]

Sir can you tell me if there is a deadline b4 they birthday to do the L-form if a person will continue to work after 65. I really appreciate your information

[@MedicareonVideo]

You do not need until you retire.

[@GGBSystems]

Ok, sorry to keep on this topic but I just still don't get it. I'm unclear on when proof of creditable insure is required. Is it only if I elect to enroll in Medicare after I turn 65 and beyond the 3-month enrollment window allowed after I turn 65? For example, if I'm still employed at age 66 and elect to retire from my company then I simply get form L564 filled out and all is good. No 10% penalty. I think I get that. Here's where I'm lost. My wife is 60 and is covered under my insurance plan with my employer. If I retire from my employer at 66 (my wife will be 61) and go on Medicare, my wife will lose my 'creditable' employer insurance coverage. We'll of course get her a private plan for coverage between the ages of 61 and 65 because she is retired. Now when she enrolls in Medicare during the IEP will she have any kind of premium penalty because she didn't have creditable coverage prior to enrolling? I thought I understood you to say that there wouldn't be a penalty if someone enrolls during the IEP regardless of what type of insurance you have prior to IEP. Just want to make sure we're understanding this correctly.

[@MedicareonVideo]

Correct - penalty on Part B would only be after T65 window without creditable coverage. You can have no prior coverage and turn 65 and get Medicare no problem.

[@GGBSystems]

Whew! Thanks for your patience and opening my eyes on this one!@@MedicareonVideo

[@cyndeeferlin2697]

Hi Keith. Great information I just wished I watched it earlier. I turn 65 on Aug 1 so I will sign up for July 1 but I didn’t know this information and I just contributed to me HSA what kind of penalty will it be? Also, my husband is only 60 and is on a real high deductible plan that qualifies for the HSA how does that work? Can he still contribute?

[@jimsaddler942]

Keith, I am contributing to my HSA account, as I will still be employed and covered by their insurance until April, 2025, at which time I plan to enroll in Medicare Part B and begin collecting Social Security. Last month (April 2024) I enrolled in Medicare Part A only. My questions are: 1) Can I continue to contribute to my HSA without penalty, by only being enrolled in Part A? And 2) If I can't contribute contributing to HSA, can I unenroll in Part A until next year? I've read that you can only unenroll in Part A if you are paying a premium for it, which I am not. HELP!!!

[@MedicareonVideo]

Yes - the rule is no HSA contributions 6 months prior to Medicare - including Part A. Part A has no benefit for you if still on group coverage. You can try contacting SS and see if they can stop it.

[@johnczech7074]

Thanks sir! Very informative!

[@MedicareonVideo]

You're welcome!

[@lisaporter7845]

What if you get a supplement plan when you retire and THEN move to a different state?? And a drug plan?

[@MedicareonVideo]

You will have a Special Enrollment Period for a Part D plan. Your Medicare Supplement will move with you when you relocate, but your rate may also change.

[@jeanettewestover]

Are you accredited in nh ....

[@MedicareonVideo]

Yes. Licensed in NH. Would be happy to help!

[@jimmyamico4713]

I just turned 63. When is the soonest that I can call you?❤

[@ABC1234-f3p]

Thanks!

[@MedicareonVideo]

You bet!

[@Joeainthere73]

I tried to sign up for Medicare and social security. The people working there set my application aside in a black hole. Calling the general 800 number required 100 minutes wait time. They then knew nothing. When it reached 75 days of no feedback whatsoever from social security, I started calling every other day. Now to hear about all their penalties for lateness makes me laugh. How long was I supposed to just wait for a letter in the mail that was never coming?

[@MedicareonVideo]

It can be pretty frustrating. I've seen applying online seems to be the best way to be able to track an application, but it truly can get lost in any way of submission.

[@jerryKB2GCG]

If I am still working and got Medicaire Part A, which is secondary, will medicaire pay for co-payments and deductibles from my primary insurance for a hospital stay!

[@MedicareonVideo]

Medicare does not work together with employer insurance in most cases.

[@churchofpos2279]

@@MedicareonVideo I worked for different health insurance companies. Medicare will be the secondary insurance , if there is a private employer insurance. Like everything else in life , there are exceptions.

[@Steve_in_NJ]

Since my birthday is in December, I would like to start Medicare on the following month, January 2025. Can I do that?

[@bobbyhelton3919]

How much is the penilty for missing the first enrollment

[@MedicareonVideo]

It is 10% for every year, and it is a lifetime penalty.

[@bobbyhelton3919]

@@MedicareonVideo ok omg

[@robinsmcintosh1527]

Im trying to get my ahip certificaion, and half these rules make no sense.

[@excourage1725]

When I called a strange phone number texted me? Is this other number fraudulent?

[@MedicareonVideo]

Send me an email at [e-mail] with the phone number, please. Laurel, who answers the main phone, will sometimes use text if she is having a hard time reaching someone via the phone.

[@excourage1725]

@@MedicareonVideo Thank you.

[@bruceeigsti5274]

so if im not working at 65 but wont take ss till 67 do i have to enroll for A B D And G

[@MedicareonVideo]

You do if you don’t have work insurance to avoid a penalty.

[@eddietorres4378]

What is the enrollment period for me if my birthday is April 5th , 1960? Will turn 65 on the year 2025.

[@MedicareonVideo]

If you want Medicare when you turn 65, you can apply in the 3 months before your birthday (Jan-Mar), and it will begin April 1. You will be in your Initial Enrollment Period.

[@rb2530]

👍👍

[@shna2018]

People less than 65 and disabled more than 2 years also have Medicare ?

[@MedicareonVideo]

Yes, if someone is on Medicare disability for 24 months, they are eligible for Medicare.

[@frederickcombs8661]

It is confusing

[@MedicareonVideo]

More so than it should be!

[@jerryKB2GCG]

If you start social security they force you to start Part A! Good thing I wasn’t contributing to an HSA

[@MedicareonVideo]

Definitely not enough information out there about the HSA tax penalty.

[@jps0117]

I turn 65 on 1/17/2026. I plan to begin Social Security at that time. Can I sign up for Medicare when I sign up for Social Security? And can I sign up for both as soon as 10/17/2025? Thank you!

[@MedicareonVideo]

Yes, you can elect for everything on one application.

[@jps0117]

@@MedicareonVideoThank you!

[@keithholloway5272]

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