Do You Automatically get Medicare with Social Security?

At age 62, you can begin receiving Social Security benefits. Some people may retire at that age, or they may work until their full retirement age and apply for Social Security benefits at that time. Whatever your situation, you’ll want to know how Medicare and Social Security are connected and if you’ll be automatically enrolled in Medicare if you receive Social Security benefits. As you begin to piece together your next steps, getting to know supplement Medicare companies will be something to look into once you are enrolled in Medicare.

When are you eligible for Medicare?

Medicare eligibility starts at age 65. Most people will enroll in Medicare Part A and Part B at that time. However, you can qualify for Medicare before 65 if you receive Social Security Disability Income for at least 24 months, have Amyotrophic Lateral Sclerosis or End-Stage Renal Diseases, and need a kidney transplant. If you qualify for Medicare before 65 due to a disability, you will be automatically enrolled in Medicare Part A and Part B.

Additionally, many people delay Medicare past 65 if they have creditable coverage from a large employer.

Do you automatically get Medicare Part A with Social Security?

If you receive Social Security benefits for at least four months before your 65th birthday month, you will be automatically enrolled in Medicare Part A at 65. Your Medicare Part A benefits would likely be effective on the 1st of your birthday month.

Suppose you are not receiving Social Security benefits before 65. In that case, you will not be automatically enrolled in Medicare Part A at 65. You will have to enroll yourself in Part A at 65 if you want those benefits.

If you delay Medicare Part A past 65 because you have creditable large employer insurance, you can apply for it in the future. However, when you apply for Part A after 65, your Part A would be retroactive six months prior.

Once you are past 65 and start receiving Social Security benefits, you will be automatically enrolled in Medicare Part A if you don’t already have it. It would be retroactive six months before you had applied for benefits.

Do you automatically get Medicare Part B with Social Security?

Like Part A, if you receive Social Security benefits for at least four months before your 65th birthday month, you will be automatically enrolled in Medicare Part B at 65. Your benefits will likely start on the 1st of your birthday month.

However, you will not be automatically enrolled in Medicare Part B any time after 65. You must enroll in Part B yourself if you choose to delay it past 65. Even if you begin receiving Social Security benefits after 65, you must enroll yourself in Part B.

Will you be automatically enrolled in supplement plans?

The simple answer is no. Since private insurance carriers offer Medigap, Advantage, and Part D plans, you are not automatically enrolled in them. You must pick and choose a plan and enroll yourself if you’d like additional coverage to Original Medicare.

Part D exception

There is one situation when you can be automatically enrolled in a Part D plan. When you qualify for Medicaid and receive Extra Help for Part D, you can be automatically enrolled in a Part D plan. If you fail to enroll yourself in a Part D plan when you are first eligible for Medicare, Social Security will choose one for you because you receive assistance.

Summary

There are certain situations when you will be automatically enrolled in Medicare because you receive Social Security benefits. However, once you are past age 65, you will only be automatically enrolled in Part A if you begin receiving Social Security benefits and are not already enrolled. It is essential to know what parts and plans you need to enroll in to avoid penalties.

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