Medicare Enrollment For Those In Group Plans

Are you 65 or older and covered under a group health plan? This could include a plan in which you are enrolled through your spouse’s employer. You have a "special enrollment period" in which to enroll for Medicare Part B. The “Special enrollment period”, allows you to delay your enrollment under certain conditions. This gives you the option of waiting to enroll in Medicare Part B and paying the 10 percent premium surcharge for late enrollment. Here is what the rules allow you to do:

• Enroll in Medicare Part B any time while you are covered under the group health plan based on current employment
• If your employment ends, you can enroll in Medicare Part B during the eight-month period that begins with the month your group health coverage ends, or the month employment ends-whichever comes first. You must enroll by the end of the eight-month period or you will have to wait until the next general enrollment period, which begins January 1 of the next year.

If you are eligible for Medicare at age 65, your initial enrollment period will begin three months before your 65th birthday.
 

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