Toll-free number: 1-800-MEDICARE (1-800-633-4227) from 7 a.m. to 7 p.m. Monday through Friday.
TTY number: 1-877-486-2048
Many people are confused about the steps to take towards getting Medicare when they become Medicare eligible. You are either eligible due to a disability or due to age.
Most people will age into Medicare and will automatically be enrolled in both parts of Medicare. Medicare hospital benefit called Part A and the outpatient doctor benefit called Part B. You will have an effective date the first of the month of your birthday month, however, if your birthday is on the 1st of the month then you will become effective the 1st of the prior month.
If you are near Medicare eligibility due to age and have not received any information then maybe it’s time to contact Social Security Administration but before you do first consider these things.
Things to consider before enrolling in Medicare part B outpatient coverage.
If you are eligible for both Medicare Part A and Medicare Part B and you refuse to enroll in Part B simply because you don’t see the need and you have no other qualifying health plan such as a group insurance plan through an employer or employer of a spouse, then you could be charged 10% more (for life) on your Part B premium than someone who first signed up when eligible. The penalty is 10% for every year you delayed.
1. You may enroll in Medicare directly by going online here:
You can also apply:
If you do not live in the U.S. or one of its territories you can also contact the nearest U.S. Social Security office, U.S. Embassy or consulate
The late enrollment penalty is an amount added to your Medicare Part D monthly premium.
You may owe a late enrollment penalty if, for any continuous period of 63 days or more after your Initial Enrollment Period is over, you go without one of these:
Learn how to avoid the late enrollment penalty.
If you get Extra Help, you don't pay the late enrollment penalty.
The cost of the late enrollment penalty depends on how long you went without Part D or creditable prescription drug coverage.
Medicare calculates the penalty by multiplying 1% of the "national base beneficiary premium" times the number of full, uncovered months you didn't have Part D or creditable coverage. The monthly premium is rounded to the nearest $.10 and added to your monthly Part D premium.
The national base beneficiary premium may increase each year, so your penalty amount may also increase each year.