Q&A about Medicare 65+ (and those with social security disability)

When should I sign up for Medicare?

3 months before your 65th birthday. Your Medicare can begin the month you turn 65, unless you are disabled, in which case it begins 2 years after your disability began.

Do I have to sign up for Medicare?

No, if you are covered under a group plan, you can keep that plan as long as it is a qualified plan.

Is there a penalty if I don’t sign up for Medicare?

If you do not have other qualified coverage, you may have a Part B and Part D late enrollment penalty.

How much does Medicare cost?

Most people will not have to pay for part A, but part B is $164.90 for most people in 2023.

What are the parts of Medicare?

Part A - Hospital insurance (covers inpatient care)

Part B - Medical insurance (covers outpatient care)

Part C - Medicare Advantage Plans (offered by private companies)

Part D - Prescription Drug Plans

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