Eligibility & enrollment pt 2

Enrollment in the first three months of the original enrollment period will result in coverage commencing on the 1st day of the 1st month in which the individual reaches the age of 65. Enrollment in the month in which the individual reaches the age of 65, means that the coverage will begin at the start of the following month.


Registration during any of the 3 remaining months of the original registration period will result in coverage commencing on the first day of the second month after the month in which the person registers.


Also, there is a “general enrollment period” that takes place in the first 3 months of a year. A person who fails to enroll during their initial admission period can enroll in Part B of Medicare only during this general period (and may be required to pay a late markup premium premium), unless it falls under the terms of the working senior citizens.


Registration for Part A can be done at any time. Cover may be retroactive for up to 6 months, except the person is required to purchase Part A coverage. If a person needs to obtain cover, registration in Part A can only be done during the first or general enrollment period. Coverage begins on July 1 of this year. For beneficiaries registering for the general enrollment period, Part B of the insurance cover will not start until 1st July this year.


Registration is generally handled by the Social Security Administration through their local offices. Beneficiaries for the retirement of railway companies should contact the Railroad Retirement Board for registration.


Online registration:


As of 2010 you can also register online at www.socialsecurity.gov. Click “Online Services” and then “Apply for Benefits.” The application process can take less than 10 minutes.

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Working senior citizens:


By the time the Medicare program was established in 1965, many people retired at the age of 65 and immediately began participating in the program at that age. However, when people started working beyond the age of 65 and Medicare was trying to curb costs, registration policy and Medicare coverage changed.


In the early 1980s, several laws were passed making Medicare benefits subordinate to benefits payable under an Employers’ Group Health Plan (EGHP) to workers and their spouses aged 65 and above. In addition, employers are prohibited from offering Medicare and spouse’s eligible employees a different health plan than the other employees. Employers with fewer than 20 employees are exempted from these new laws but can volunteer.


These changes resulted in the creation of an additional “special enrollment phase” for working senior citizens. Persons over the age of 65, who are covered by an EGHP by virtue of their own activities or the employment of a spouse, have the option of enrolling in Medicare at the age of 65 without raising a premium. Since EGHP is the main payers, many workers may not want to pay Medicare coverage, which may be duplicated. Failure to sign up during this “Special Registration Period” may result in a premium surcharge and the individual may not be able to register until the next General Registration Period.

Initially, the SEP started on the first day of the first month, when the worker was no longer covered by the EGHP, and terminated 7 months later. However, as of March 1, 1995, persons covered by an EGHP may enroll in Medicare while still under the EGHP.