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Medicare Rules and Regulations

Individuals that find themselves in a time in their life where Medicare coverage is available to them have had many questions about the whole process. Uncertainties of what Medicare is or if having a job with health coverage eliminates Medicare coverage often lead to questions like the ones answered below by the Experts.

What is Medicare?

Medicare is a federal health insurance program for individuals 65 years and older and those with disabilities. Medicare is comprised of different plans. Part A is hospital insurance. Part B is optional medical insurance.

Medicare also has supplemental coverage. Medicare supplement coverage (Medigap) reimburses out of pocket expenses that are not covered by Medicare. Medicare supplement coverage has 12 policies – Plans “A” through “L”.

I am 66 years old. I have Medicare part A and I am still working with the hospital provided health coverage. I am retiring at the end of the year and want to know when I can get Medicare part B and D coverage and how do I sign up for it?

Being over 65 and covered by health plan through your current job you have the option to enroll in any time between now and 8 months after you end your current employment. Medicare may require a form to be completed to prove that you were indeed covered by a group plan. This will aid in avoiding any penalty increase in premium. To sign up for Medicare part B and D you can go to your local Social Security office or you can call them by phone at 1-800-772-1213.

I am 65 years old, unemployed and have Medicare. If I take a job with health insurance coverage, do I lose my Medicare coverage?

If you currently receive Medicare because you are over 65 years old and then get a job that offers health insurance you would still be able to keep your Medicare. If you do take a job that offers health insurance and that employer has more than 20 employees then that insurance would be the primary insurance. Medicare would become the secondary coverage for bills that are not covered by your job’s group plan. If your employer has less than 20 employees then the opposite would occur and Medicare would be primary.

I have private health insurance through my employer as well as Medicare coverage. My Medicare was cancelled for not paying the premium on time. How can I get my Medicare reinstated?

You can get your Medicare coverage reinstated by contacting the Social Security Administration. You will need to explain the circumstance to them and pay the premiums that are due. You can call and set up an appointment to visit your local office. While you are getting that lined out and reinstated you can still use your private health insurance in the chance that you become ill.

I have had Medicare in the past and have recently refused it. Now Social Security is trying to force it on me. I don't want Medicare. Is there a requirement to carry Medicare?

Under federal law which regulates Social Security and Medicare, all Americans 65 years of age and older is eligible for Medicare and we don’t particularly have much of a choice whether or not to accept it. Those who receive Social Security benefits get automatically enrolled in Medicare and there is no way to choose not to be. When an individual receives Social Security benefits they either have to enroll in Medicare part A or they will lose their benefits.

Having the right information and a good understanding about Medicare rules can help when faced with circumstances involving Medicare coverage. Experts can help answer what Medicare is or how to get Medicare reinstated. Get the answers fast and affordably by asking an Expert.
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