Does this sound like you? You're inching closer to your 65th birthday. You have recently retired or retirement is on the horizon. You're looking forward to enjoying some extra free time with your spouse or family. What could be better, right? After years of hard work, it's now time for stress-free living.
But, wait! Turning 65 means you have to sign up for Medicare. Or, at least start thinking about your options. Plan A, Plan B, Part D — it sounds so confusing!
But, it doesn't have to be that way. Let us help you know what to do and when, depending on your situation. And, we can even make a game of it.
Medicare matters getting ready made easy. After years of hard work, it’s time for stress-free living. Here’s how! It’s three months before your 65th birthday. Now’s the time to make a decision.
Do you have health insurance through your employer or your spouse’s employer?
If you currently have health insurance through your employer or your spouse’s employer, you aren't collecting Social Security benefits yet, and you want to delay Part A and/or Part B, you don't need to do anything. If you're eligible for Part A and want to sign up, call Social Security or visit their website. Hint: Confused about whether or not you should take Parts A and B? Visit Medicare.gov.
When coverage through your or your spouse's employer ends, you have 8 months to sign up for Medicare without a penalty. To sign up for Medicare, contact Social Security.
If you do not have health insurance through your employer or your spouse’s employer, congratulations! You’re in the Initial Enrollment Period. You can sign up for Medicare three months before your 65th birthday, your birthday month and three months after your birthday. Don't delay! Not signing up for Medicare during your Initial Enrollment Period could cost you. How you sign up for Medicare depends on this question: Have you been collecting social security benefits at least four months before our 65th birthday?
If you have not been collecting Social Security benefits, you need to do a little legwork to sign up for Medicare. You can: Visit the Social Security website. Call the Social Security national customer hotline at 800-772-1213. Visit your local Social Security office. Once you’re signed up for Medicare, you’ll receive your Medicare card in the mail from Social Security.
If you have been collecting Social Security benefits at least four months before your 65th birthday, you’re automatically enrolled in Medicare Parts A and B. That means you don’t have to do anything.
No matter what path you're on right now, you may eventually want to consider coverage to cover the additional health care costs Medicare doesn't pay. As long as you're enrolled in Medicare Parts A and B and live in Iowa or South Dakota, you can consider MedicareBlue SupplementSM plans from Wellmark. Choose from six Medicare supplement plans to meet your specific health care needs. Relax knowing you have the freedom to choose any Medicare-participating doctor or hospital with no referrals. Consider MedicareBlueSM Rx (PDP) for a convenient, easy-to-use drug plan to protect yourself from drug costs. Get convenient coverage all in one place with the option to purchase dental, vision and hearing benefits.
Feel confident knowing you have access to personalized support if you need it, as well as valuable extras like exclusive discounts on gym memberships through Blue365® and a free subscription to BlueSM magazine! Simply visit Wellmark.com/Medicare.
Still need more on the ins and outs of Medicare? We can help.
Request your free Medicare Matters guide to learn more about Medicare, when you're eligible and your medical, dental and vision coverage options.
If you live outside Iowa or South Dakota, go to Bcbs.com External Site or call 888-630-2583 to find a Blue Cross Blue Shield plan near you.
Rather hear from others like you?
Check out our Medicare Matters video series. We sat down with people who are getting ready for Medicare. Learn with them as our experts listen to their questions and explain the answers!
Medicare Matters video series
This is a solicitation of insurance. Wellmark MedicareBlue Supplement plans are specific to Wellmark Blue Cross and Blue Shield of Iowa and Wellmark Blue Cross and Blue Shield of South Dakota and can only be purchased by Iowa and South Dakota residents, respectively. MedicareBlue Supplement plans are not connected with or endorsed by the U.S. government or the federal Medicare program. Wellmark Blue Cross and Blue Shield of Iowa and Wellmark Blue Cross and Blue Shield of South Dakota are independent licensees of the Blue Cross and Blue Shield Association.