About Medicare Enrollment Periods
If you are 65 and not yet receiving Social Security or Railroad Retirement Board benefits (because you’re still working), Medicare enrollment may work differently. If you aren’t already getting retirement benefits when you turn 65, you won’t be automatically enrolled in Medicare Part B and will need to sign up during your Initial Enrollment Period. If you have coverage through active employment and choose to delay enrollment in Medicare Part B, you will be given a Special Enrollment Period that starts when you stop working or your employer-sponsored health insurance ends. If you don’t sign up during this time, you can do so during the General Enrollment Period, but may owe a late-enrollment penalty (see below for more details).
When can I sign up for Part A & Part B?
You also have an 8-month Special Enrollment Period to sign up for Part A and/or Part B that starts the month after the employment ends or the group health plan insurance based on current employment ends, whichever happens first. Usually, you don’t pay a late enrollment penalty if you sign up during a Special Enrollment Period.
When to Enroll in Medicare
U.S. citizens and legal permanent residents (residing in the U.S. for five continuous years) who are within three months of their 65th birthday may enroll in Medicare Part A. If you already receive Social Security benefits or the Railroad Retirement benefits, then you will be automatically enrolled in Medicare Part A the first day of the month in which you turn 65 years old. Your Medicare card will be mailed to you about three months before your 65th birthday. You are also eligible to enroll for Medicare Part B the month in which you turn 65, although because you pay a monthly premium for this coverage, you have the option to opt out of it when you receive your “Welcome to Medicare” packet (which arrives with your Medicare card).
Medicare Information, Help, and Plan Enrollment
Humana is a Medicare Advantage [HMO, PPO and PFFS] organization with a Medicare contract. Enrollment in any Humana plan depends on contract renewal. This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments and restrictions may apply. Benefits, premiums and/or member cost-share may change on January 1 of each year.
When to Apply for Medicare
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