Are You Smart Enough About Enrollment To Sign Up For Medicare?

1.

Just like Social Security, I can apply for Medicare coverage at age 62; I just won’t get as much coverage as I could at age 65.
- A.
  
  True
- B.
  
  False
Correct Answer
B. False

Explanation
If you answered False, you’re almost correct. Full Medicare coverage is for people age 65 or older. However, you can qualify for Medicare coverage at any age if you suffer from:
• End-stage renal disease (ESRD) that requires regular dialysis or kidney transplant
• Lou Gehrig’s disease, or
• Any long-term, permanent disability that renders you unable to work.

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2.

Those who started receiving Social Security at age 62 must take action to enroll in Medicare at age 65.
- A.
  
  True
- B.
  
  False
Correct Answer
B. False

Explanation
False. Those already collecting Social Security or Railroad Retirement Board benefits before turning 65 will get Medicare Parts A and B automatically the first day of the birthday month.

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3.

If I don’t sign up for Medicare by the day of my 65th birthday, I will pay a penalty.
- A.
  
  True
- B.
  
  False
Correct Answer
B. False

Explanation
False. Medicare provides a full seven-month window for enrollment, known as the Initial Enrollment Period. You can apply any time from three months before to three months following your 65th birthday. Applying before your birthday month can ensure that coverage will begin the month of the birthday.
Also know that if you have other insurance, such as a group plan through a large employer, you may be able to delay enrollment.

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4.

If I miss my Initial Enrollment Period, I must wait another full year before I can enroll again.
- A.
  
  True
- B.
  
  False
Correct Answer
B. False

Explanation
False. If you do not enroll during the seven-month period when first eligible for Medicare, your next chance comes in January with the General Enrollment Period. This period goes from January 1 through March 31. Coverage does not begin until July 1 and you might face a Late Enrollment Penalty.

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5.

For identification purposes, I must go to Social Security office near me to enroll in the Medicare program.
- A.
  
  False
- B.
  
  True
Correct Answer
A. False

Explanation
False. While you can enroll in person at your local Social Security office, you can also call Social Security at 1-800-772-1213. It is also possible to apply for Medicare coverage online at www.ssa.gov/medicareonly.

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Are You Smart Enough About Enrollment To Sign Up For Medicare?

Just like Social Security, I can apply for Medicare coverage at age 62; I just won’t get as much coverage as I could at age 65.

Those who started receiving Social Security at age 62 must take action to enroll in Medicare at age 65.

If I don’t sign up for Medicare by the day of my 65th birthday, I will pay a penalty.

If I miss my Initial Enrollment Period, I must wait another full year before I can enroll again.

For identification purposes, I must go to Social Security office near me to enroll in the Medicare program.