Eligibility and Sign up Pt 2
Registration within the first 3 months of the initial enrollment period will lead to coverage from the 1st day of the 1st month in which the person reaches 65 years of age. Registration in the month in which the person turns 65 implies that coverage will commence at the beginning of the following month. Registration in one of the last 3 months of the initial registration period will result in coverage beginning on the 1st day of the 2nd month following the registration month. In addition, there is Medicare Supplement plans 2019 a “general registration period” which takes place during the first 3 months of the year. An individual who does not register during the initial admission period may only enroll in Medicare Part B during this general period (and may be required to pay a premium for late registration) except this corresponds to the conditions applicable to the working elderly people.
Registration for Part A can be done at any time. Coverage may be retroactive up to 6 months, except for the person who is required to purchase Part A. If a person needs coverage, registration in Part A may only be made during the first or the general registration period. Coverage starts on July 1 of this year. For participants who register for the general registration period, Part B of the insurance coverage will not commence until July 1st of this year. Registration is usually handled by the Social Security Administration through their local offices. Participants of the retirement of railway firms must contact the board of directors of the railway for registration.
Starting in 2010, it is also possible to register online at www.socialsecurity.gov. Click on “Online Services” and then on “Request Benefits”. The application process may take less than 10 minutes to complete. Working Elderly citizens:
When the Medicare program was created in 1965, many people retired at the age of 65 and immediately began participating in the policy at that age. Meanwhile, when individuals began to work after age 65 and Medicare tried to contain costs, the Medicare registration and coverage policy was changed. In the early 1980’s, many laws were enacted to make Medicare services conditional on the benefits that can be provided under an Employer-Wide Health policy (EGHP) to laborers and their spouses who are aged 65 and more. In addition, employers are prohibited from providing Medicare and the appropriate employees of their spouse with a different health plan from other employees. Employers with less than 20 employees are exempt from these new laws but may volunteer.
These changes led to the creation of a new “special registration phase” for working seniors. People over age 65, who are covered by an EGHP because of their activities or the employment of a spouse, have the option to enroll in Medicare at the age of 65 without raising the premium. Since EGH is the main contributor, many workers may not want to pay for Medicare coverage, which can be duplicated. Failure to register during this “special registration period” may result in surcharges and the person may not be able to register before the next general registration period. Initially, SEP started on the first day of the 1st month, when the laborer was not insured by EGHP anymore, and was closed seven months later. However, as of March 1, 1995, people with EGHP can enroll in Medicare while they are still on EGHP.