Turning 65 Info (T-65)

Medicare Parts A & B Enrollment

• Effective Dates:
   

  • If you're turning 65, Parts A & B start the 1st of the month you turn 65 (e.g., May 1st if your birthday is May 15th).
     

  • If your birthday is the 1st of the month, Parts A & B start the 1st of the previous month (e.g., April 1st if your birthday is May 1st).
     

Disabled Individuals

• Eligibility for Parts A & B:
   

  • Must be on disability and receiving payments for 24 months.
     

  • Auto-enrollment into Parts A & B.
     

  • Medicare Advantage Plans become available at this point.
     

  • Medicare Supplement eligibility is harder for those under 65.
     

Self-Qualifying or Through a Spouse

• Requirements to qualify on your own or via a working spouse:
   

  • Need 40 quarters (10 years) of Medicare work credits (either you or your spouse).
     

  • Must be a U.S. citizen or permanent legal resident.
     

Social Security

• If you're already receiving Social Security benefits, you're automatically enrolled in Parts A & B.
   

• If you're not receiving Social Security, you must manually enroll (either online or at a Social Security office).
   

Part A Premiums

• No premium for Part A if you or your spouse have worked and paid Medicare taxes for 10 years.
   

• If you don't qualify, you may still be able to buy Part A, with the cost based on your work history.
   

Currently Employment

• You can delay Part B if you’re working and have work-based insurance or if your spouse is employed and provides coverage.
   

Stopping Work

• If you stop working at age 67 and want to enroll in Part B, you'll need to:
   

  • Fill out an employment verification form.
     

  • This allows you to enroll in Part B during a Special Enrollment Period (SEP).