enrollment periods for medicare eligibility

Medicare Eligibility Requirements And Enrollment Process: How to Sign Up For Medicare Coverage

Medicare is a federal health insurance program for people 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (ESRD).

To be eligible for Medicare, you must meet certain requirements and follow specific enrollment procedures. When you become first eligible for Medicare benefits, sign up for Part B and Part D if you do not have creditable coverage through an employer.  

In this article, we will review the eligibility requirements to get Medicare and outline the process for enrolling in coverage.

What are the Medicare Eligibility Requirements?

1. Be age 65 or older

The age requirement for Medicare eligibility is that you must be 65 or older to sign up and pay for Medicare.

Individuals diagnosed with end-stage renal disease or Lou Gehrig’s disease (ALS) are signed up for Medicare without needing a 2-year waiting period. If you receive disability benefits from Social Security 

To be eligible, you must also be a U.S. citizen or legal resident for at least five years.

If you are receiving monthly Social Security or Railroad Retirement Board (RRB) cash benefits, you will be automatically enrolled in Medicare Part A & B when you turn 65, and your coverage will begin the month you turn 65. If you are not receiving monthly Social Security or RRB benefits, you must sign up for Medicare within three months of the month you turn 65.

2. Be eligible for Social Security benefits

To become eligible for Social Security benefits, you must be either a U.S. citizen or permanent legal resident who has lived in the United States for at least five years and either be receiving Social Security or Railroad Retirement benefits or have worked long enough to be eligible for those benefits but are not yet collecting them. You or your spouse must also have paid Medicare payroll taxes while working.

If you are under the age of 65, you must meet additional requirements to qualify for Social Security benefits. This includes being entitled to Social Security disability benefits for at least 24 months (that need not be consecutive), receiving a disability pension from the Railroad Retirement Board and meeting certain conditions, having Lou Gehrig’s disease (ALS), having permanent kidney failure requiring regular dialysis or a kidney transplant, or having a spouse who has paid Social Security taxes for a specified period depending on the age.

3. Be a permanent resident of the United States

To be eligible for Medicare, one must be a U.S. citizen or a permanent legal resident who has lived in the United States for at least five years. To be considered a permanent legal resident, one must have a Green Card (also known as a Permanent Resident Card). 

4. Have received disability benefits for at least two years

To be eligible for Medicare, you must have received disability benefits for at least 24 months. On the 25th month, you should get Part A automatically, and you will need to enroll in Part B of Medicare.  

Even though you are on social security disability, when you enroll in Part B of Medicare, you must pay a monthly premium. Contact Social Security Administration to confirm if you will be automatically enrolled or if you are required to complete any paperwork to receive Medicare.  

5. Have paid Medicare payroll taxes for at least 10 years

To avoid paying Medicare Part A insurance premiums, you or your spouse must have worked and paid payroll taxes for 40 quarters.

When Does The Medicare Enrollment Process Begin?

When Does The Medicare Enrollment Process Begin?

The Medicare enrollment process typically begins 3 months before you turn 65 and lasts for seven months beyond your birth month. This window of time allows beneficiaries to explore their options and select the best plan to meet their healthcare needs. 

If an individual misses this initial enrollment period, they can still enroll during the annual open enrollment period, which takes place from October 15th through December 7th each year. Medicare beneficiaries who miss their initial enrollment period may be charged a lifetime monthly late enrollment penalty for Medicare Part B and Part D

If possible, Medicare beneficiaries are encouraged to enroll during their initial eligibility period and not to wait to sign up till the last second.

Those with specific life changes, such as losing employer-based coverage or moving to a new area, may be eligible for a special enrollment period. They could avoid paying a monthly late enrollment penalty if they had creditable health care coverage.

Understanding the Medicare enrollment process is crucial for those who qualify for Medicare. It is essential to follow these steps:

Step 1: Determine your eligibility

To determine your eligibility for the Medicare enrollment process, you must first ensure that you meet the requirements. You must be at least 65 years old or under 65 but with specific disabilities, including End-Stage Renal Disease (ESRD) or ALS (Lou Gehrig’s disease). You may also be eligible if you are receiving Social Security or Railroad Retirement Board benefits or are eligible to receive them.

The next step is to gather all the necessary documentation for enrollment. This includes

  1. A copy of your birth certificate
  2. Driver’s license or state I.D.
  3. Proof of U.S. citizenship or legal residency
  4. Social Security card
  5. Proof of creditable health insurance and medical card if still employed after the age of 65

Once you have gathered all the necessary documents, you must submit them online or by mail. You can submit them through the Medicare.gov website or by contacting the Social Security Administration at 1-800-772-1213. The Medicare Eligibility Tool on the Medicare.gov website can also help you determine eligibility for Medicare and when you can enroll.

After submitting all your documentation, you will be informed of your Medicare eligibility and the next enrollment steps.

Step 2: Enrollment in Original Medicare (Part A and Part B)

Enrolling in Original Medicare (Parts A and B) is necessary to gain access to additional coverage such as Medicare Supplement Plan G and Medicare Part D (Prescription Drug Coverage). Here is a step-by-step guide on how to enroll in Original Medicare:

  1. Step 1: Visit SSA.gov and fill out the online enrollment form. This process can take a few days or weeks, depending on the number of applicants. Alternatively, you can also complete the necessary forms at your local Social Security office.
  2. Step 2: Once you have filled out the application, the Medicare team at the Social Security Offices will create and send you a Medicare number. It takes a few weeks to complete, so starting the process early in your 7-month initial enrollment period is best.
  3. Step 3: Once you have received your Medicare number, you can enroll in other plans such as Medicare Supplement plans (Medigap), Medicare Advantage (Part C), or Medicare Part D (Prescription Drug Coverage). You can contact a Medicare insurance agent at Integrity Now Insurance Brokers for Medicare insurance quotes.
  4. Step 4: Once enrolled in the additional coverage plans, you can utilize their benefits. It is important to remember that you need to be enrolled in both Part A and Part B to be eligible for these additional coverage plans.

Step 3: Create your MyMedicare.gov account

Creating a MyMedicare.gov account is vital in managing your Medicare coverage online. Follow these simple steps to register and begin taking advantage of the benefits it provides:

  1. Visit the MyMedicare.gov website and click “Register for an Account”.
  2. Enter your personal information, such as your name, address, email, and Social Security number.
  3. Create a username and password, and provide answers to the security questions you are asked.
  4. Read and accept the Terms of Use.
  5. Click “Submit” to complete the registration process.

Once you have registered, you can log in to your account to check your enrollment status, view plans you are enrolled in, update your personal information, enter your health records and prescription drugs, view Medicare claims, print replacement Medicare cards, and share information with your providers. 

Step 4: Consider Medicare Advantage (Optional)

Yes, you should consider Medicare Advantage when enrolling for Medicare. Medicare Advantage plans include the same core benefits as Parts A and B of Original Medicare. Still, some plans include additional health benefits such as prescription drug coverage, dental, and vision.

You can enroll in a Medicare Advantage plan by calling one of our licensed Medicare Advantage insurance agents and requesting a quote. When enrolling, you will need to provide your Medicare number and the date your Part A and Part B coverage started.

Medicare Advantage plans include the potential for more benefits and coverage than Original Medicare, so it is worth considering when enrolling for Medicare.

Step 5: Consider Medicare Part D

When considering enrolling in Medicare Part D, there are several steps to take:

  1. Compare and choose from a variety of Part D plans available to you. Part D plans can be accessed through a standalone Part D plan or as part of a Medicare Advantage plan that includes prescription drug coverage.
  2. Once you’ve selected the best option, our certified Medicare Agents will assist with enrollment.
  3. Have your Medicare number and the date your Part A and B coverage started handy, as you will need this information to sign up for your Medicare Part D plan.
  4. To avoid future penalties, enrolling during your initial enrollment period is best. 
  5. If you choose to enroll in a Medicare Advantage plan with prescription drug coverage, you must have Medicare Part A and Part B and live in the service area for the plan you’re considering.

Veterans enrolled in the VA healthcare system or Tricare is not required to sign up for a Medicare Part D plan. They receive creditable prescription drug benefits through the VA.

Step 6: Consider Medigap (Optional)

The Medigap enrollment process typically begins when you turn 65 and are enrolled in Medicare Part A and B. To sign up for Medigap coverage, you must go through several steps. Here is what you need to do:

  1. Enroll in Original Medicare Part A coverage and Part B
  2. Contact a licensed insurance agent representing multiple insurance companies for quotes
  3. Review all 10 standardized Medigap plan options
  4. Apply for a policy.

It’s important to note that Medigap enrollment can be time-sensitive, and you should take action quickly if you want more coverage. Make sure to avoid a gap in coverage by signing up for Medicare and joining a plan before your job-based coverage ends.

To qualify for guaranteed issues, Medigap plans you need to sign up within six months of turning 65. You may qualify for a special enrollment period if you don’t sign up for Part B due to having creditable coverage through an employer.


What are Medicare Part A and Part B?

Medicare Part A and Part B are two components of Original Medicare, the federally-funded health insurance program for those aged 65 and over, disabled individuals, and those with end-stage renal disease.

Part A (Hospital Insurance) helps cover the costs of inpatient hospital care, skilled nursing facility time, home health care, and hospice care. Part B (Medical Insurance) covers doctor visits and other medical services.

Most people who have paid Medicare taxes while working in the United States qualify for Part A at no cost. If you are eligible for Original Medicare and wish to enroll in a Medicare Advantage or Medicare Supplement plan, you must enroll in Part A and B.

How much do Medicare Part A and Part B premiums cost?

The premium costs of Medicare’s Part A and Part B are subject to fluctuations based on several factors. Generally speaking, many individuals are exempt from the premium fee for Part A. Medicare Part B typically requires a premium of $164.90 monthly (2023) (or higher, depending on your income). 

Original Medicare Part A and B include additional Medicare costs (deductibles, copays, and coinsurance); a Medigap plan can cover up to 100 percent of these charges.

Are there any enrollment penalties for Medicare Part B and Part D?

Yes, there are enrollment penalties for Medicare Part B and Part D if you delay enrollment when you’re first eligible to sign up for Medicare entitlements without maintaining creditable health insurance. If you don’t enroll during your initial enrollment period, you may be subject to paying a late enrollment penalty

How to qualify for Medicaid Coverage?

Qualifying for Medicaid coverage is based on specific eligibility criteria that centers on an individual’s income and medical needs. To be eligible for Medicaid, individuals must be U.S. citizens or lawful residents with limited income and resources. 

What are the Medicare enrollment periods?

The Medicare enrollment periods are:

  • Initial Enrollment Period,
  • Open Enrollment Period (October 15-December 7),
  • General Enrollment Period (January 1-March 31),
  • Special Enrollment Period, and
  • Medicare Advantage Open Enrollment (January 1-March 31).

Is Cobra insurance considered creditable health insurance?

Cobra insurance is a type of health insurance provided to individuals and families when transitioning between employers. It is considered creditable health insurance, meaning it can be used to maintain health coverage and avoid gaps.

Should I protect my retirement 401K and IRA with a fixed indexed annuity when I turn 65?

When you are ready to retire, most retirees cannot afford a fluctuating income that decreases 20 to 40 percent when the stock market takes a hit. Millions of retirees turn to a fixed-indexed annuity each year to protect their lifetime 401K or IRA savings.

With a properly structured fixed annuity, retirees can be guaranteed lifetime income for themselves and their spouses even when their investment runs out of money. Talk with our annuity expert to learn more about securing your income.

Need Help Enrolling In Medicare Advantage Plan Or Medigap Plan?

If you require assistance enrolling in a Medicare Advantage or Medigap Plan, contact Integrity Now Insurance Brokers. Our company offers comprehensive health insurance solutions for older adults to meet your needs.

We understand the confusing and stressful process of selecting a health insurance plan, so we focus on providing a personalized approach to each client.

Our qualified insurance experts will work closely with you to explore your options, thoroughly explain each plan’s benefits, and help you make an informed decision based on your budget, lifestyle, and healthcare needs.

With our help, you can navigate the complex world of healthcare plans and confidently enroll in the best Medicare insurance coverage.

We pride ourselves on delivering exceptional customer service and upholding the highest standard of professionalism. Rest assured that you are in good hands when you choose Integrity Now Insurance Brokers. 

Contact us today if you want to sign up for a Medicare plan.