• Question
  • Medicare enrollment

    Asked by a 46 year old man from Omaha, NE on 2/1/2019

    I started a full time job December 28, 2015, one day before I turned age 65. I became eliigible for company benefits, including health insurance on March 1, 2016. Since 2016 was a leap year, my health insurance began on the 63rd day after I turned age 65 (2 days of December, 31 days of January, 29 days of February). Did my health insurance coverage begin soon enough so as to not have been required to enroll in Medicare?

  • Categories: Medicare, Health Care and Health Insurance


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  • Typically, you have 3 months to enroll in Medicare after your 65th birthday so you still have a bit of time. Regardless if you need medicare as your main insurance, you do need to enroll in Medicare Part B or you could incur penalty that last forever. In your situation, I recommended calling your HR department to find out if the company's insurance is the prime insurer if you are eligible for Medicare (some company's require that Medicare is the prime and they are secondary insurance). Then, I would call Medicare and ask your question making sure to document notes from every call for your records. Alternatively, you could set an in-person appointment at your local office.

  • Login to rate this answer:   Answered on 2/15/2019
  • NewRetirement User

    54 year old

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  • When you are turning 65 you have the following enrollment period into Medicare:

    *3 months prior to your birthday month (September)
    * the month of your birthday month (December)
    * 3 months after your birthday month (March)

    In your scenario, you would have until the end of March to enroll for Medicare.

    However, your company benefits need to be "creditable" in order to "count" as insurance that keeps you from having to pay a penalty (lifetime) when you do enroll in Medicare. Most companies that have 20 or more employees have "creditable" insurance. To be sure that your new company has this type of insurance, ask your HR department. If they don't know, ask to speak with the insurance broker who handles the insurance for your company.

    It's really important to get this right because if you don't, you could face penalties that last your entire life.
    Here's a checklist that helps you determine if you've done all the steps you need to do when you are turning 65 and eligibile for Medicare.

    Good luck in your new job!
    Katherine Kline
    Founder, MedicareQuick.com

  • Login to rate this answer:   Answered on 4/25/2019
**All above answers are provided as general information only. No warranty is made regarding the fitness or accuracy of the information provided in this answer. You should seek advice from a licensed CPA, attorney or CERTIFIED FINANCIAL PLANNER™ as to your unique financial situation.