You Could Be Gaining a Medicare Late Penalty Without Even Knowing It!

[@ChristopherRuhmins]

Well done and informative.

[@BoomerBenefits]

Thanks, Chris!

[@sammencia7945]

Enroll 4 months before you are 65. Problem solved.

[@BoomerBenefits]

Hi Sam, the time you can apply for Medicare is during your Initial Enrollment Period, which begins 3 months before your 65th birthday month and ends 3 months after your birthday. But, there are many seniors out there that do not know this and think they can enroll in Medicare at any time they want!

[@sinebar]

Good God! It should all be free and automatic!

[@juliebutler8241]

What if you can't afford the part b?

[@BoomerBenefits]

We would encourage you to reach out to your local Medicaid office. You can find more info here www.medicaid.gov/about-us/contact-us/contact-your-state-questions/index.html

[@hollynauss6359]

Clarify: a spouse without the required 10 years/40 quarters work history can qualify for free part A based on their long-time spouse's work record, correct?

[@BoomerBenefits]

If you have been married for at least 1 year and your spouse is eligible for Social Security, then you can qualify for a $0 premium for Part A if your spouse has 40 working quarters. Learn more here: boomerbenefits.com/can-i-get-medicare-through-my-spouse/

[@mariagarde9861]

I am 68 yrs old and retired. My wife is 61 and still working. I have health insurance through my wife. My question is, when my wife retires five years from now, will I get penalized when I enroll in Medicare part B. Thanks

[@BoomerBenefits]

If you continue to have insurance past 65 from an employer that has 20 or more employees and your spouse actively works for that employer, then you can delay all of Medicare until you retire without having to pay the penalty. Once she retires or loses active employer coverage, you will have an 8-month Special Enrollment Period to enroll in Part B and a 2-month SEP to enroll in Medicare Part D without a late enrollment penalty. Check out our video, Medicare & Employer Coverage | Should You Enroll In Part B?

[@pat190]

when turning 65, if I enroll in Medicare Part A, B, D and get a less expensive supplement plan, like K, is there a penalty in later years if i want to switch to Plan G for more coverage? thank you

[@BoomerBenefits]

There are never any financial penalties for Medigap plans. You may, however, have to answer health questions to switch plans and could be denied due to pre-existing conditions.

[@freddie4138]

US citizen receiving SS benefits will be 65 this year residing permanently in Japan with universal health insurance do I need to enroll in Medicare part A and B Thanks

[@BoomerBenefits]

You may be auto enrolled in Part A and Part B since you're receiving SS benefits. However, we aren't sure if they make exceptions for people permanently living out of the country. We suggest calling a Social Security office to discuss this with them as we never handle Part A and part B enrollment.

[@freddie4138]

@@BoomerBenefits Thank you

[@laughinghawk8522]

My mother is 72 and still working. She has insurance through her job but she collects social security. She plans on fully retiring this year and has never dealt with medicare. Will this affect her social security check and benefits when she applies? Will she be penalized? She also has moderate to severe renal failure.

[@BoomerBenefits]

Hi there, she can draw Social Security and still work. But, her income cannot be over a certain limit. We recommend contacting Social Security directly for more information on this!

[@simplethings3730]

In the example given at 4 minutes, you start losing money when you turn 78 years old. Be aware that that statement is not adjusted for anything like price increases or inflation.

[@jimowens381]

I am 65 and still working. I am still covered under my employer group plan. I am enrolled in part A. Will I incure a penalty for not signing up for part B or D?

[@BoomerBenefits]

If the employer has 20+ employees, and you maintain their insurance the whole time you don't have Part B or Part D, then you shouldn't owe a late penalty. kzbin.info/www/bejne/ppSYY4SbmbR8g7s

[@deaton123able]

What Happens If I Am Enrolled In Veterans Health care ? That Is Free To Me Except For Very Small Co-payments, Much Smaller Co-payments Than Medicare Prescription Co-payments And Smaller than Other Co-payments to see Doctors and or Specialists? I Still have a couple years to go before 65 but SS already took 25% of My SS Payment cause I Worked some years in State Service /Nevada.That was a Chunk And I Do Not Relish 144.00 More Being Taken Out While The VA Healthcare Serves As My Provider for Prescriptions ,Doctors,Specialist,Hospital stays Already. Any Advice or recommendations would e most appreciated.

[@BoomerBenefits]

boomerbenefits.com/veterans-medicare-va-benefits/

[@MrChipBryant]

Tell us how to enroll?

[@BoomerBenefits]

You simply enroll online at ssa.gov. You can learn everything you need to know about how to enroll in Medicare here: boomerbenefits.com/new-to-medicare/apply-for-medicare/

[@RobertJohnson-sc1vz]

Can SSA impose an over 100% penalty upon a person for flat out refusal to have Medicare thrust upon them? I will never accept and have the form already to indefinitely suspend any Social Security benefits. Yes that form exists.

[@BoomerBenefits]

Hi Robert, you will only receive a late enrollment penalty once you enroll in Medicare. If you never enroll in Medicare, you will never be charged the late enrollment penalty.

[@sherrielr]

I am really disappointed that you do not have an agent in NY. After you sold me on using you for my plan, I call and I am told you do not have an agent, not happy you should have someway to indicate that!

[@BoomerBenefits]

Hello. I'm sorry that we aren't able to help you. However, we have listed that we are only licensed in 48 states (NY and MA being the two we don't represent) in several places throughout our website and social media. We hope you can still benefit from our various forms of free Medicare education and wish you the best of luck. boomerbenefits.com/compare-medicare-plans-and-prices/states/new-york-medicare-plans/

[@joanmistretta6580]

Sherrie, I'm a licensed Medicare Agent in NY. I would be happy to help you out. Give me a call 845-592-2099. Thank you. Joan

[@jamescalifornia2964]

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